USDA Vs. FHA Pro and Con comparison in Bradley-Beach, Monmouth County, NJ

In 2025, the USDA loan limit for Bradley-Beach in Monmouth county, NJ, is set at $657,900, while the FHA limit for a single-family home is at $822,375.

Use the Lendersa® USDA loan calculator to evaluate current USDA vs. FHA best rates and find out what income, credit, reserves, and documents are necessary to qualify. With our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, assisting in selecting the most suitable program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Bradley-Beach, Monmouth, NJ

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Bradley-Beach, NJ

The aim of Lendersa® is to quickly connect you with the best USDA or FHA loan, hassle-free. Begin by choosing one of three starting points to link with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

The USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. In contrast to FHA loans which require a minimum 3.5% down payment, USDA loans require none at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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