For 2026, the USDA loan limit in Holiday-City-Berkeley, within Ocean county, NJ, is set at $657,900, whereas the FHA limit for a single-family home is $822,375.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the qualifying income, credit, reserves, and necessary documents. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options to assist you in identifying the most suitable program for your unique financial situation in
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| Loan Type | Loan Cap | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa® aims to provide you with the best USDA or FHA loan quickly and without difficulty. Begin by selecting one of three methods to connect with matching lenders and ideal USDA loan programs.
A USDA home loan is government-backed by the Department of Agriculture and is specifically tailored for rural areas. Commonly referred to as a USDA rural development loan, it contrasts with FHA loans, which require a minimum down payment of 3.5%, by requiring no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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