For 2026, the USDA loan limit in Highlands, located in Monmouth county, NJ is $776,600, whereas the FHA limit for a single-family home is $1,089,300.
Leverage the Lendersa® USDA loan calculator to compare current USDA vs. FHA rates to see which is best. Discover the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator provides comparisons of USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Highlands, Monmouth county, 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 Loan Options in Highlands, NJ
Lendersa® strives to quickly secure the best possible USDA or FHA loan without hassle. Select from three pathways to find matching lenders and programs.
A USDA home loan, guaranteed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage and is available exclusively in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans do not require any down payment.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Greenway Mortgage is committed to transparency and open communications with its clients. We pride ourselves on speed, efficiency and providing a first-rate experience. Our loan officers are experienced, trusted professionals that are accessible and remain engaged throughout the loan process.
Since 1928 the Credit Union has been here to serve the Monmouth County Postal Employees and their families. Monmouth County Postal Employees CU is a not-for-profit financial institution. As our credit union grows, our services will hopefully meet the challenges of serving our members.
Two River Mortgage & Investment provides personal service to each and every client throughout the loan process. We assist you to structure the best program for your individual needs. This is why Two River Mortgage’s core business is generated by personal referrals and repeat business.
At Navesink Home Loans, 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
Mortgage Now Inc. , where we specialize in residential mortgages. At Mortgage Now Inc. , 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.
TFS Mortgage Corporation, Inc. was formed in 1989 to serve the unique lending needs of Financial Advisors and their clients. TFS is currently licensed in Florida, New Jersey, New York, and Pennsylvania. We are acutely aware that each of our clients has very specific needs which we strive to address with a wide array of lending solutions.
First Funding Loans, we are dedicated to being the best hard money lenders in New Jersey. This is why we offer a simple and quick way to access loans for various types of property investments. Hard money loans are a great option because they are approved quickly, require minimum documentation and offer funds for projects
The Atlantis team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work one-on-one with you to provide a financial solution specifically tailored to meet your financing needs.
