In 2026, the USDA loan limit in Middletown, located in Monmouth County, NJ, is set at $776,600, whereas the FHA limit for a single-family home is $1,089,300.
Make use of the Lendersa® USDA loan calculator to evaluate the top USDA versus FHA rates available today and ascertain the income, credit, reserves, and documentation required for eligibility. With our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA options side by side to help determine which program in matches your specific financial situation best.
2026 Loan Limits and Down Payment Requirements in Middletown, Monmouth, 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 Middletown, NJ
Lendersa® aims to fulfill your need for the ideal USDA or FHA loan swiftly and with ease. Select one out of three initial steps to connect with matching lenders and USDA loan programs.
A USDA home loan is backed by the government through the Department of Agriculture, also known as a USDA Rural Development Loan or USDA mortgage, and is available solely in rural areas. In contrast to FHA loans that necessitate a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.
Since 1928 the Credit Union has been here to serve the Monmouth County Postal Employees and their families. Monmouth County Postal Employees CU is a not-for-profit financial institution. As our credit union grows, our services will hopefully meet the challenges of serving our members.
Two River Mortgage & Investment provides personal service to each and every client throughout the loan process. We assist you to structure the best program for your individual needs. This is why Two River Mortgage’s core business is generated by personal referrals and repeat business.
At Navesink Home Loans, 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
Greenway Mortgage is committed to transparency and open communications with its clients. We pride ourselves on speed, efficiency and providing a first-rate experience. Our loan officers are experienced, trusted professionals that are accessible and remain engaged throughout the loan process.
Mortgage Now Inc. , where we specialize in residential mortgages. At Mortgage Now Inc. , 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.
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.
TFS Mortgage Corporation, Inc. was formed in 1989 to serve the unique lending needs of Financial Advisors and their clients. TFS is currently licensed in Florida, New Jersey, New York, and Pennsylvania. We are acutely aware that each of our clients has very specific needs which we strive to address with a wide array of lending solutions.
620 Tinton Avenue, Building B, 1st Floor, Eatontown, NJ, 07724
Lends in New Jersey
Progress Capital is a commercial real estate advisory firm specializing in arranging debt for commercial real estate owners and developers of mixed-use, multi-family, construction, industrial, retail, office and commercial storage properties. With 30 years of industry leading experience in the Metro New York, Philadelphia and New Jersey markets.
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, which is why we pride ourselves on our guar
