In 2026, the USDA loan limit in Keyport, part of Monmouth County, NJ, is set at $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Determine the income, credit rating, reserves, and documents required for qualification. Our comprehensive mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, helping you to select the right program for your financial scenario, particularly if located in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
At Lendersa®, our goal is to quickly connect you with a suitable USDA or FHA loan, free of hassle. Choose from one of three initial pathways that align you with lenders and provide access to USDA loan programs.
A USDA home loan, endorsed by the Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. This loan type is designed specifically for rural areas and carries no down payment requirement, differentiating it from FHA loans, which mandate at least a 3.5% down payment, thus enhancing access to homeownership in rural locales.
Enter your location to find out if it qualifies for USDA rural housing loan?
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