USDA VS FHA in Eatontown, Monmouth County, NJ

In 2025, the USDA loan ceiling in Eatontown situated in Monmouth county, NJ is $776,600, whereas the FHA limit is set at $1,089,300 for a single-family residence.

Leverage the Lendersa® USDA loan calculator to evaluate today's optimal USDA versus FHA interest rates and assess the income, credit standing, reserves, and necessary documentation to qualify. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA loans side by side, empowering you to decide which program in aligns best with your financial needs.

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Loan limits and down payment requirements for 2025 in Eatontown, Monmouth county, NJ

Loan Type Loan Maximum Down Payment Percentage
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Offers in Eatontown, NJ

The objective of Lendersa® is to facilitate securing the ideal USDA or FHA loan swiftly and seamlessly. Start with one of three preliminary options that connect you to suitable lenders and USDA loan schemes.

Lendersa USDA loan request and matching results

Defining USDA Loans in NJ

A USDA home loan, endorsed by the Department of Agriculture, otherwise known as a USDA rural development loan or mortgage, is exclusively for rural settings. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA mortgages require no down payment at all, providing a cost-effective path to homeownership.

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



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  • 20802 46th Ave SE, Bothell, WA, 98021
  • Cleveland Street Mortgage started in 1999 with Ted Robinson and Chris Butaud (with support from our silent partner and friend Vicki Adair and our first employee Karil Gray) who shared a mission to earn an excellent name in the real estate marketplace. The industry has changed a lot during the intervening years.
  • North Pacific Mortgage
  • 22232 17th Ave SE, Suite 303, Bothell, WA, 98021
  • Pacific Mortgage with one simple goal in mind – to provide local families with the opportunity to purchase a home by helping them secure a loan to meet their individual needs at a competitive rate. At North Pacific Mortgage, we are passionately committed to serving our clients by delivering honesty, integrity and excellence in all facets business
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  • PO Box 3050, Bothell, WA, 98041
  • Qualstar provides sound financial products and services who work hard for the money and want to make the most of it! From basic savings and checking accounts that earn interest to auto loans, credit cards, home loans and more! Use Mobile Banking to manage your account - account history & pending holds, transfers, loan payments.
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  • Our mortgage advisors strive to earn the trust of our clients and to represent their lending needs by providing financing options tailored to their specific requests. This then allows the client to make a well-informed fiscal decision when financing the purchase (or refinance) of a home.
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  • Fortunately, at Archstone Home Mortgage, 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. Take advantage of our expertise in the residential lending industry by applying online today.
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  • TILA Mortgage is a Washington based company that has been serving consumers here locally for the past 20 years. We take pride in providing quality and honest service to our clients. Our experienced and seasoned loan officers allow us to quickly determine what works for you. As part of a large mortgage banker.
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  • In business since 2006 and armed with many decades of experience, we provide our clients expert guidance to secure the best mortgage, at the best terms, and with the right lender for your specific financial profile. We listen, ask the right questions to get a complete picture, and then show you what your best options are and why.
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  • At Home Trust Financial (NMLS # 1761573), where we specialize in residential mortgages. At Home Trust Financial, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
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  • 8213 131st Avenue Northeast, Kirkland, WA, 98033
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide our clients with amazing low rates and great loan programs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. We've been helping customers afford the home of their dreams for many years.