USDA Vs. FHA your options comparison in Brick, Ocean County, NJ
As of 2026, the USDA loan threshold in Brick, Ocean county, NJ, is set at $776,600, while for a single-family residence, the FHA cap stands at $1,089,300.
Utilize the Lendersa® USDA loan calculator to contrast today’s leading USDA and FHA rates. Determine the income, credit score, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator presents a side-by-side view of USDA, FHA, Conforming, and VA options to help you select the most suitable program in for your specific financial needs.
2026 Loan Limits and Down Payment Requirements in Brick, Ocean County, NJ
Loan Type
Loan Cap
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Lending Possibilities in Brick, NJ
The mission of Lendersa® is to swiftly and effortlessly secure you the optimum USDA or FHA loan. Choose from three starting paths to connect with matching lenders and explore various USDA loan schemes.
A USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA Rural Development Loan or USDA mortgage, exclusively available in rural areas. Contrasting FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.
Provident Bank has served individuals, families, and businesses in our local communities with personal and business banking services. We’re proud of that. And we’re proud of this: we’re still your bank—right here, right now. What your parents wanted? We had it. What you need? We’ve got it. What your kids will face? We’ll solve it. You are our commi
707 Arnold Avenue, Suite E, Point Pleasant Beach, NJ, 08742
Lends in New Jersey
We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs & most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
Commercial Mortgage Associates Inc. was founded by Gary Ambrosi in 1989 as a commercial mortgage brokerage company helping business owners and investors finance small to mid-size commercial real estate. Since, Commercial Mortgage Associates has become highly respected in the commercial lending industry that investors can rely on, and yet.
PrimeSourceMTG.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Prime Source Mortgage is a licensed Mortgage Broker licensed by NJ Dept. of Banking and Insurance. We do not issue mortgage commitments or fund mortgage loans.
Dynasty Mortgage is a premium mortgage company dedicated to providing affordable home loans for customers with various types of credit records. Whether you want a fixed rate mortgage, adjustable rate mortgage, a home equity loan, refinance, purchase, investment or debt consolidation, we have a loan for you with the lowest rates available.
OceanFirst Bank is one of the largest regional banks in New Jersey with a presence in New York & Philadelphia. We stay focused on what we believe is most important: building long-term relationships with our customers and giving back to the communities we serve. OceanFirst was established in 1902 as the Point Pleasant Building and Loan Association.
New Jersey Mortgage Services is a Mortgage Broker who is licensed under the New Jersey Department of Banking and Insurance. Broker owner Tom Altieri has 36 years experience and thousands of close loans. Tom is knowledgeable in real estate, contracts, and a the latest mortgage products.
44 Washington Street, Suite 200, Toms River, NJ, 08753
Lends in New Jersey
Family First Funding LLC offers high quality mortgage banking and brokering services to residential and business customers. Our aim is to provide our clients with fair and reasonable rates and costs, while keeping our clients informed and educated throughout the process. We will become friends and trusted advisors to our clients.
Oceanside Mortgage Company has served its customers with honesty and integrity for over 20 years. Our mission is to provide competitive interest rates and low closing costs while guiding borrowers through any red tape so they can secure their mortgage without hassle. Meet the team whose here to make the home loan process a home run!
