In 2026, the USDA loan limit in Holiday-City-South, within the county of Ocean, NJ is $657,900, while for a single-family home, the FHA limit is $822,375.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates, determining the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA options side by side, aiding your decision on which program in
| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa®'s mission is to quickly secure the best USDA or FHA loan for you without hassle. Choose one of three starting options to connect with matching lenders and USDA programs.
A USDA home loan, supported by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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