In 2026, the USDA loan limit in Carteret, county of Middlesex, NJ totals $776,600, and the FHA cap is $1,089,300 for a single-family dwelling.
Utilize the Lendersa® USDA loan calculator to examine today's leading USDA vs. FHA rates and establish the required income, credit, reserves, and paperwork for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans in a side-by-side comparison to guide you in choosing the optimal program in suitable for your financial needs.
2026 Loan Limits and Down Payment Requirements in Carteret, County of Middlesex, 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 Loans in Carteret, NJ
Lendersa® is dedicated to providing you with the best possible USDA or FHA loan quickly and effortlessly. Choose from three different starting points that help match lenders and USDA loan programs.
A USDA home loan, assured by the Department of Agriculture, sometimes called a USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans that demand at least a 3.5% down payment, the USDA loan does not require any payment up front.
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