USDA and FHA Pro and Con in Berkeley, Ocean County, NJ
In 2025, 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 aligns best with your financial needs.
2025 Loan Limits and Down Payment Requirements in Berkeley, Ocean, NJ
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Explore USDA and FHA Loan Options in Berkeley, NJ
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.
InstaLend is a nationwide lender providing investment property loans for residential 1-4, multi-family and mixed-use properties. Our company provides fast & reliable financing for fix & flip, rentals and new construction loans. Whether it's your first or fiftieth real estate investment, InstaLend meets all your short-term
NFFCU was chartered in 1940 to service the financial needs of the members & their families, of the Fire Department of the City of Newark. Over the past 79 years the credit union has grown to a $18 million financial organization with 5 employees serving over 3, 000 members. NFFCU is headquartered at Newark in a credit union-built-and-owned building.
At American Fidelity Mortgage, we provide lending services and approve our clients into their next home. - Family owned and operated - Direct FHA Lender - Products available include but are not limited to - FHA, Conventional, 203k, Reverse Mortgages, Jumbo’s, USDA, Streamline Refi’s, Full Harp -program.
AMS Mortgage Services, Inc. has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual homebuyers. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending
Rock East Lending is a veteran hard money lender for experienced real estate investors. We know that for investors, having access to money quickly makes all the difference. Because we are direct lenders, not brokers, we are able to make decisions and get to the closing table quickly.
County Savings Bank has served the Tinicum and Ridley Township neighborhoods with dependable full-service banking operations. Our customers appreciate the way we balance small town warmth with “big bank” services and security We bring a real community feeling into your bank - a place where you put your business and your trust.
Blue Sky Capital Funding is a distinguished provider of financial solutions, specializing in offering tailored funding options to meet the diverse needs of businesses. Founded with the mission to support growth and facilitate financial stability, Blue Sky Capital Funding has established itself as a trusted partner in the capital markets.
Municipal Credit Union has been serving the financial needs of our members since 1916. The credit union was chartered in response to the concern of New York City Mayor, John Purroy Mitchel, who wanted city employees to have a way to save at reasonable rates and a low cost borrowing alternative to loan sharks.
BLVD Realty Group is the premier luxury and commercial real estate firm in Jersey City. We specialize in providing our clients with the Boutique look and feel coupled with a very strong team of professionals.
With the tools and technology used by only the large commercial firms, BLVD Realty Group creates a unique model.
201 Montgomery St, Suite 263, Jersey City, NJ, 07302
Founded in 2017 by Zac Prince and Flori Marquez, BlockFi was created to provide credit services to markets with limited access to simple financial products. BlockFi sets itself apart from other crypto service providers by pairing competitive rates with institutional-quality benefits.
101 Hudson Street, Suite 2100, Jersey City, NJ, 07302
Stem Lending is an online mortgage marketplace, helping home buyers shop wholesale lenders, as they finance their dream homes. Our customers create a login and with 4 simple steps, apply for a mortgage. Our technology fetches credit reports, verifies income, assets, employment and present mortgage application to top competing mortgage.
