In 2025, the USDA loan threshold for Neptune, located in Monmouth county, NJ, is set at $776,600, whereas the FHA cap for a single-family home stands at $1,089,300.
The USDA loan calculator by Lendersa® is your tool to compare the most competitive USDA and FHA rates available today and determine the necessary income, credit score, reserve funds, and paperwork required for eligibility. Our state-of-the-art mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans simultaneously for informed decision-making tailored to your unique financial scenario in Alabama.
Explore loan offers from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
At Lendersa®, our objective is to secure the finest USDA or FHA loans for you swiftly and with minimal fuss. Select from one of three options to match with the most suitable lenders and USDA loan plans.
A USDA home loan, officially backed by the U.S. Department of Agriculture, also known as the USDA Rural Development Loan or USDA Mortgage, is offered only in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
|
|
|
|
|
|
|
|
|
|
|
|
Bridge Loan Guides
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
