USDA and FHA Pro and Con in Monmouth-Beach, Monmouth County, NJ
As of 2026, the USDA loan limit in Monmouth-Beach, Monmouth county, NJ stands at $657,900, while the FHA cap is $822,375 for a single-family residence.
Use Lendersa® to compare current USDA and FHA rates using our advanced loan calculator. Determine necessary income, credit, reserves, and documents for qualification. Our tool enables side-by-side comparison of USDA, FHA, Conforming, and VA loans to help you choose the best program for your financial context in .
Loan limits and down payment requirements for 2026 in Monmouth-Beach, Monmouth, NJ
Loan Type
Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA loan possibilities in Monmouth-Beach, NJ
Lendersa® is focused on securing you the best USDA or FHA loan quickly. Start with any of these three steps to match with lenders and explore USDA loan options.
A USDA home loan is backed by the government via the Department of Agriculture, also known as a USDA rural development loan, available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require none.
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.
First Funding Loans, we are dedicated to being the best hard money lenders in New Jersey. This is why we offer a simple and quick way to access loans for various types of property investments. Hard money loans are a great option because they are approved quickly, require minimum documentation and offer funds for projects
The Atlantis team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work one-on-one with you to provide a financial solution specifically tailored to meet your financing needs.
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.
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
Our House Mortgage is a mortgage company that focuses primarily on residential real estate. Our mission is to help our borrowers and their families realize the dream of affordable home ownership. At Our House Mortgage we thrive on excellence, performance, and integrity. We attract the best and brightest in the industry to work here.
At Unity Residential and commercial Mortgage INC we are a full-service mortgage company based in NJ. We specialize in home loans and refinancing We also serve the surrounding cities. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
