USDA and FHA Pro and Con in Howell, Monmouth County, NJ
As of 2026, the USDA loan maximum in Howell, county of Monmouth, NJ, is $776,600, whereas the limit for FHA on a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare today's USDA and FHA most competitive rates. Determine the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator enables you to view USDA, FHA, Conforming, and VA loans side by side, helping you decide which option in suits your financial circumstances best.
2026 loan caps and down payment requirements in Howell, Monmouth, NJ
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Options for USDA and FHA loans in Howell, NJ
The aim of Lendersa® is to connect you with the ideal USDA or FHA loan as efficiently and seamlessly as possible. Start with one of three available pathways to identify lenders and explore USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture—commonly referred to as the USDA rural development loan or USDA mortgage—is only available in rural areas. This loan does not require any down payment, unlike FHA loans, which mandate a minimum down payment of 3.5%.
Freehold Bank is a community-first financial services provider, and our commitment to growth shapes everything we do. We see growth potential everywhere we look, and our mission is to deliver solutions that genuinely serve your best interests. We are banking powered by good values, deep roots, friendly faces, and proven expertise.
New Jersey Latvian Federal Credit Union has been open since 1971. The credit union has assets totaling $8.72 Million and provides banking services to more than 200 members. The credit union is a fraternal credit union. Membership is also open to immediate family of current members.
AFS provides professional financial services for small and mid-size businesses throughout the US by advising, educating and introducing accounts receivable, small business loans and many other financing programs . Our team of talented business growth experts are here to help your business get the financial stability it needs
First Financial is a Community Credit Union serving anyone who lives, works, attends school or worships in Monmouth or Ocean Counties. Additionally, First Financial Federal Credit Union is a not-for-profit whose goal is to achieve your financial dreams by defining your dream goals and lifestyle, empowering you through financial education
Red Oak Mortgage has built a strong reputation as an outstanding mortgage lender, serving the lending needs of real estate professionals, builders and individual homeowners throughout the state of New Jersey, North Carolina, and South Carolina since 2005. Due to our high level of technology, streamlined process, speedy turn-times
Patriot Mortgage is committed to offering only the highest quality professional service to our mortgage clients, realtors and associates. We have built a reputation of offering honest, ethical and thorough service. We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals,
Navesink River Capital, LLC has been a guiding force within the private lending market, with over a billion dollars funded and 1,500 plus properties financed. Their unsurpassed knowledge of the real estate climate and simplified, streamline loan process has allowed them to remain at the forefront, offering lightning loans from $75,000 to $2 million
Icon Realty Capital is owned and operated by a team of seasoned real estate professionals who have a combined 52 years of hands-on real estate experience. We collectively participated in $3 Billions + in transactions, acting as capital providers, equity and syndicator. Our ability to Close Quickly, in as little as THREE days is a function.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to find and provide the right home loan for our clients while providing them with the lowest combination of interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
