USDA Vs. FHA Pro and Con comparison in Lacey, Ocean County, NJ
In the year 2025, the USDA loan threshold for Lacey, located in the county of Ocean, NJ, is set at $776,600, while the FHA ceiling is determined to be $1,089,300 for a single-family dwelling.
Employ Lendersa® USDA loan calculator to juxtapose today's USDA against FHA prime rates and assess the requisite income, credit, reserves, and documentation for qualification. By utilizing our state-of-the-art mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, enabling you to choose the most effective program for your financial scenario in .
2025 loan limits and downpayment requirements in Lacey, Ocean, NJ
Loan Type
Maximum 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 Lacey, NJ
Lendersa® aims to provide you with the best possible USDA or FHA loan quickly and with minimal hassle. Choose one of three starting options to connect with matching lenders and USDA loan offerings.
A USDA home loan is a government-backed funding source via the Department of Agriculture, labeled as a USDA rural development loan, and is offered to rural communities only. In contrast to FHA loans needing a minimum 3.5% down payment, a USDA mortgage does not necessitate any down payment.
Based in New York, NY - and with offices in White Plains, NY - Bridge Funding works primarily with borrowers in the tri-state area of New York, New Jersey and Connecticut, however loans are available in other metropolitan locations. With access to over $1 Billion, Bridge Funding has the capacity to fulfill the needs of its borrowers both big
140 East 45th Street, 31st FL, New York, NY, 10017
GuardHill Financial Corp. (NMLS #1609 - www.nmlsconsumeraccess.org) is a New York City-based mortgage banker and brokerage company originating approximately $1 Billion annually. For over 26 years, GuardHill has maintained its reputation as the Tri-state area’s premier independent mortgage lender.
Continental Finance Corporation's experience and expertise are paramount in the areas of private equity funding, real estate development, management and legal services. During CFC's 25 years of operation, its portfolio of successful businesses has included air and ground transportation.
Global Capital Partners is a Global commercial hard money lender, offering many financing options, including: bridge financing, private lending, commercial real estate financing, structured join venture financing, permanent financing, mezzanine financing, construction loans and acquisition financing.
The Amerifund Home Mortgage Team consists of extremely experienced loan officers who are CPA’s, Attorneys and have significant backgrounds in finance, accounting and underwriting. Every loan officer has many years experience in mortgage lending. This experience, knowledge and expertise provides them the ability to finance any type of a loan.
VII Capital Funds brings business, financial and commercial private industries together with non-traditional, flexible commercial loan programs, that wouldn't otherwise be possible, helping our clients realize their project development dreams. business, financial and commercial private industries together with non-traditional,
At Lument, our commitment to relationships drives us to understand our clients’ business—and that insight guides us as we structure our loans. And thanks to the deep resources of ORIX and the broad product platform we’ve assembled by combining the Hunt Real Estate Capital, Lancaster Pollard, and RED Capital Group brands.
"ExtraCredit means you will have a personal funding manager helping you every step of the way. ask about your needs, walk you through different loan options, and help you choose the perfect small business loan.
You won’t have to deal with brokers, banks, or convoluted financial jargon. We keep it simple so you can make informed."
