USDA Vs. FHA Pro and Con comparison in Highlands, Monmouth County, NJ

For 2025, 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 .

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2025 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.

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Understanding USDA Loans in NJ

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.

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