In 2026, the USDA loan limit set for Berkeley in the county of Ocean, NJ, is $776,600. Meanwhile, for a single-family home, the FHA loan limit is $1,089,300.
Use the Lendersa® USDA loan calculator for a detailed comparison of today's best USDA and FHA rates. It assists in determining income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding your decision on which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® is committed to enabling you to secure the best USDA or FHA loan quickly and hassle-free. Start by choosing from three entry points, each linking you to matching lenders and USDA loan programs.
The USDA home loan, supported by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. It caters exclusively to rural areas and, unlike FHA loans, requires no down payment, contrasting with the minimum 3.5% needed for FHA loans.
Enter your location to find out if it qualifies for USDA rural housing loan?
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