USDA Loan Vs. FHA loan pro & con Colts-Neck, Monmouth County, NJ

For 2026, in Colts-Neck, located in Monmouth county, NJ, the USDA loan limit is $657,900, whereas the FHA limit for a single-family dwelling is $822,375.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. It helps ascertain the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA loans, assisting in determining the best program in that fits your financial needs.

USDA and FHA Loan Choices in Colts-Neck, NJ

Lendersa® strives to connect you with the best possible USDA or FHA loan efficiently and without hassle. Select one of three starting points that lead to matching lenders and appropriate USDA loan programs.

Understanding USDA Loans in NJ

A USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans need no down payment at all.

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(606) 451-2274 Lender's profile and map Reviews Citizens Bank 1850 Highway 27 South, Somerset, KY, 42501 Established in 1904, Citizens Bank grew along with the community that surrounded it. By 1910 the bank had grown in reputation and financial strength, which placed it among the top financial institutions in Southeastern Kentucky. In 1958 Mr. R.C. Anderson was appointed as bank President. Devoted to his work, his people, and his community
(606) 679-7451 Lender's profile and map Reviews First & Farmers National Bank 2020 South Highway 27, Somerset, KY, 42501 Our story began in February of 2008 with the incorporation of First & Farmers National Bank, but our roots in our four communities are much deeper. Our history can be traced back to Citizens Bank of Albany, located in Clinton County, KY, dating back to 1898; to First National Bank of Columbia, located in Adair County.
(606) 679-9361 Lender's profile and map Reviews Cumberland Security Bank 107 South Main Street, Somerset, KY, 42501 Cumberland Security Bank is a locally-owned community bank serving Pulaski County and surrounding counties. We invite you to stop in or give us a call so we can get to know you better. We can then discuss your specific goals and needs to find out how we can start making life better for you as your financial partner.
(606) 679-6341 Lender's profile and map Reviews Citizens National Bank Kentucky 44 Public Square, Somerset, KY, 42501 Citizens National Bank is a locally owned bank that has been serving the people of Pulaski County since 1920. We offer a wide range of products to help you achieve your financial goals, along with a high level of customer service and convenient locations. We have seven locations in Pulaski County, as well as one in Wayne County, Russell County.
(864) 859-3607 Lender's profile and map Reviews Spero Financial 118 Brushy Creek Rd, Easley, SC, 29642 While our name has changed, formerly SC Telco Federal Credit Union, our mission to improve the financial lives of our members has never wavered. Our credit union has spent more than 85 years focusing on one simple goal: to provide trustworthy financial solutions that empower everyday people to take ownership of their future
(502) 532-7392 Lender's profile and map Reviews United Citizens Bank & Trust Company 8198 Main Street, Campbellsburg, KY, 40011 The mission of United Citizens Bank is to be a locally owned community bank serving our customers by offering and delivering quality financial services at competitive rates. We are committed to active community involvement. We will strive to maintain financial soundness and stability while providing shareholders a reasonable return on their investm
(606) 365-7098 Lender's profile and map Reviews PBK BANK, INC. 120 Frontier Boulevard, Stanford, KY, 40484 PBK has been in business for over 100 years. We opened our first office in Hustonville, Kentucky in 1906 and have been growing and expanding ever since. We have a vast array of banking services including checking and savings accounts, certificates of deposit, IRA’s, Christmas and Vacation club accounts, health savings accounts.
(803) 937-6398 Lender's profile and map Reviews Unity Mortgage of SC LLC 1705 Carolina Ave, Orangeburg, SC, 29115 At Unity Mortgage of SC LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
(843) 832-2600 Lender's profile and map Reviews REV Federal Credit Union 200 Marymeade Dr, Summerville, SC, 29483 At REV, we’re passionate about being an active partner that works with local businesses, organizations and associations to build healthy communities. Through a digital first strategy and enhanced commitment to our members, we’re redefining what banking means. As a full-service financial institution, we offer competitive loan rates.
(843) 810-4564 Lender's profile and map Reviews Homefront Mortgages, Inc. 202 E. 2nd North St, Suite 1-A, Summerville, SC, 29483 Homefront Mortgages, Inc. offers the very best mortgage tools available on the Internet - easy, convenient, on-line shopping for the best loan programs and most current rates available, together with the assistance of an experienced, "live" loan officer to guide you through the often difficult and confusing process.
(989) 427-5663 Lender's profile and map Reviews Montcalm Public Employees Credit Union 1157 East Main Street, Edmore, MI, 48829 Montcalm Public Employees Credit Union We are a non-profit cooperative financial institution completely controlled and owned by the members who save, borrow and conduct other financial business here. Because we’re non-profit, you share in the earnings of the credit union through higher dividends on your savings and reduced rates on your loans.
(502) 732-4272 Lender's profile and map Reviews Carrollton Federal Bank 2539 Highway 227, Carrollton, KY, 41008 Established in 1875, Carrollton Federal Bank is the oldest financial institution in Carroll County. Since 1937 Carrollton Federal has been FDIC insured. To best serve our customers in 2002 we converted to a full service bank and changed our name from Carrollton Federal Savings & Loan to Carrollton Federal Bank.