USDA and FHA Pro and Con 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.
At Pacific Tech Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
4195 Chino Hills Parkway, Suite 469, Chino Hills, CA, 91709
City Fund Mortgage began with a clear vision of ethical lending and quality service. With over a century of combined lending experience amongst our team, a vast array of loan product offerings, and an emphatic commitment to superior customer service, the company has managed to stay competitive in an ever changing
JBee Home Loans is a growing residential mortgage lender in California built on a proven track record as a long-time industry leader. The Los Angeles-based company, founded by Joel & Jill Burlingame, specializes in standardized home loans, VA loans, FHA loans, low-credit score approval loans, refinancing and more
2604B El Camino Real, Ste 156, Carlsbad, CA, 92008
MB Capital Ventures specializes in real estate and project finance. We focus on providing better terms for all types of real estate transactions and development projects. There is not an asset class or size we cannot touch. Most of our deals are between $1M and $10M. We have incredibly attractive financing programs for $25M+.
California Bank & Trust, a division of ZB, N.A. is a commercial bank that specializes in turning business and individual dreams and goals into success stories by offering personalized service, knowledgeable advisors, and custom financial options. commercial bank that specializes in turning business and individual dreams and goals into success
America One Mortgage Group, where we specialize in residential mortgages. At America One Mortgage Group, we will find a loan that fits each borrower. Unlike big Banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
Keystone Financial is your mortgage broker. If you're on the hunt for a home loan then you'll want to compare us to our competition. We offer a lending experience that creates confidence and trust. Our goal is simple if we win, you win! broker. If you're on the hunt for a home loan then you'll want to compare us to our competition.
The Kolesar Team is dedicated to offering the best service to our customers. We want to change the way you see a mortgage. More guidance, less stress – More transparency, less confusion – We are here to create a better mortgage experience.
Our home loan programs will win your business; our service will earn your trust.Get a home loan in less t
