In 2025, the USDA loan limit in Mystic-Island, within Ocean county, NJ, is set at $657,900, while the FHA limit for a single-family home reaches $822,375.
Utilize the Lendersa® USDA loan calculator to assess today's top USDA and FHA rates and understand the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator allows direct comparison of USDA, FHA, Conforming, and VA loans, helping you choose the most suitable program for your financial situation in .
Details on 2025 Loan Limits and Downpayment Requirements in Mystic-Island, Ocean, NJ
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Opportunities in Mystic-Island, NJ
The objective of Lendersa® is to expedite finding the optimal USDA or FHA loan effortlessly. Choose one of three starting paths that connect you with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is only available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
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