USDA Vs. FHA your options comparison in Lakewood, Ocean County, NJ
In 2025, the USDA loan limit in Lakewood, part of Ocean county, NJ, is set at $776,600. The FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to assess today’s best rates, comparing USDA versus FHA. This tool helps determine necessary income, credit, reserves, and paperwork for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, helping you select the right program in for your financial needs.
2025 Loan Limits and Downpayment Requirements in Lakewood, Ocean County, NJ
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Lakewood, NJ
Lendersa® aims to swiftly connect you with the best USDA or FHA loan without hassle. Choose one of three approaches to find lenders and USDA loan programs that fit your needs.
A USDA home loan is backed by the government and known as a USDA rural development loan or mortgage. It is exclusive to rural neighborhoods. Unlike FHA loans, which require a down payment of at least 3.5%, the USDA loan demands no down payment, thus enhancing accessibility.
F & M Community Bank is a full-service, community-oriented bank that has been in operation since 1911. For over 100 years, we've been proud to fulfill the banking needs of local Minnesota citizens & businesses on a more personal, individualized level. Our employees who are your bank teller or your lending specialist are your neighbors & friends.
11007 North 56th Street, Suite 207, Tampa, FL, 33617
At Melange Capital Investments LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
11261 Southwest Parkside Drive, Port Saint Lucie, FL, 34987
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Commercial Bank has always been committed to serving communities that lacked access to credit & consumer financial services. In 2014 we continued our commitment to serving our economically underserved markets by becoming a certified Community Development Financial Institution. Community business leaders formed Commercial Bank in 1914 in DeKalb, MS.
Every client has unique circumstances when it comes to applying for a mortgage loan. You can rely on mortgage lender Chuck Favoroso to use his experience and knowledge as a loan officer to do the research and find the best mortgage loan with the lowest rates and best terms based on your personalized situation.
The Hometown Financial Services team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
481 SW Port St. Lucie Blvd., Suite A, Port Saint Lucie, FL, 34953
We work as an incredible Mortgage Consulting team to guide each of our clients in a very personalized manner to help them arrive at the best decision for their specific Lending needs and future plans in regards to their Home Loan choices or Commercial Loan / Business Investments.
First Citrus Bank is the #1 community bank in Florida and top 100 nationwide (American Banker, 2021), supporting local businesses, families and individuals to help them become financially secure and economically successful over the course of 22 years. First Citrus Bank was established in 1999 and is headquartered in Tampa.
