USDA VS FHA in Little-Silver, Monmouth County, NJ

In 2025, the USDA loan cap in Little-Silver, county of Monmouth, NJ, stands at $657,900, while the FHA cap for a single-family house is $822,375.

Utilize Lendersa® USDA loan calculator to check today’s top USDA compared to FHA rates, and assess the income, credit, reserves, and necessary documents for qualification. This advanced mortgage calculator places USDA, FHA, Conforming, and VA programs side-by-side to help identify which option in matches your financial requirements best.

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For 2025: Loan limits and downpayment obligations in Little-Silver, Monmouth county, NJ

Loan Type Loan Cap Down payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Exploring USDA and FHA loans available in Little-Silver, NJ

The aim of Lendersa® is to swiftly provide you with the ideal USDA or FHA loan without burden. Choose from three starting points to connect with suitable lenders and USDA programs.

Lendersa loan outline and matching outcomes

Defining USDA Loans in NJ

A USDA loan, supported by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, is designed for rural locales. Unlike FHA loans that demand at least a 3.5% down payment, a USDA mortgage necessitates none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • Starion Bank is a $1.6 billion family-owned Bank providing Banking, mortgage, insurance and investment services for individuals, families and businesses across the Midwest. As an independent supercommunity Bank, we have the same services and technology as larger Banks, yet we offer personal service, make decisions locally.
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  • 838 E. 27th Street, Houston, TX, 77009
  • Compare Closing LLC is affiliated with best-in-class Realtors, Mortgage Brokers, and mortgage lenders. If you decide to work with us, we will make sure you get solutions for all your mortgage needs. We will be a common link between the client, realtor, and mortgage broker/mortgage lender and ensure that we are always in touch with our clients.
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  • We’re a private hard money equity-based lender located in Houston, TX lending hard money commercial loans and residential investment hard money loans in Texas. We work with borrowers, brokers and real estate agents across Texas. As a direct lender we can make quick in-house loan decisions unlike other lenders which can sometimes take weeks.
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  • 3101 Harrisburg Boulevard, Houston, TX, 77003
  • Originally chartered in 1965 as Stewart & Stevenson Credit Union, Space City Credit Union serves the employees and family members of companies such as Stewart & Stevenson, General Electric, Ineos, Solvay, McCall Group, Rex Supply, Houston Housing Authority, Houston Professional Musicians Association, and others.
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  • Oak Farms Employees Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Oak Farms Employees Credit Union will continue a sound yet progressive asset management strategy
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  • 318 McAlpine St, Houston, TX, 77003
  • Financial services have their own meaning in city's life. Elite Lending Group is one of such places. Organization has an average score of 2 by NiceLocal visitors and is located by the following address: Houston, TX 77003, 318 McAlpine St. You can find out more by dialing a number: 17139621662 — or by visiting the website: elgtexas.com.
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  • InterLinc, we believe that in order to deliver the “service without exception” experience, we must have the ability to manage every aspect of the mortgage process. As a mortgage company, InterLinc provides in-house origination, processing, underwriting, and closing. By using this full-service approach, we do not have to rely on anyone