In the current year, 2026, the USDA loan limit in Lincroft, situated in the county of Monmouth, NJ, is capped at $776,600. Contrastingly, the FHA loan limit for a single-family home reaches $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare the premier rates between USDA and FHA. This tool aids you in determining the required income, credit standing, reserves, and documentation needed for eligibility. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you to discern the most fitting program for your financial situation 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% |
Lendersa® strives to connect you with the ideal USDA or FHA loan quickly and seamlessly. Choose one of three starting points that facilitate matching with lenders and exploring USDA loan programs.
A USDA home loan, guaranteed by the government's Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, stands available strictly in rural neighborhoods. In contrast to FHA loans that necessitate a minimum down payment of 3.5%, the USDA mortgage loan requires no down payment, providing a significant opportunity for eligible homebuyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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