In 2025, 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
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| Loan Type | Maximum Limit | Down Payment | |
| USDA | $776,600 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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