In 2026, the USDA loan limit for Ocean in Monmouth county, NJ, is $776,600, whereas for a single-family home, the FHA limit is $1,089,300.
Utilize the Lendersa® USDA loan calculator to assess and compare the best rates available today for USDA versus FHA loans, and determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .
Loan Limits and Downpayment Requirements for 2026 in Ocean, Monmouth, NJ
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Options in Ocean, NJ
The goal of Lendersa® is to secure the best USDA or FHA loan for you, quickly and without hassle. Choose one of three starting points that connect you with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment.
Encore Bank is a private, boutique bank with a commercial focus that couples highly experienced and talented bankers with innovative technology to offer unprecedented levels of personal service and experiences to its clients through a hospitality-inspired concierge approach. Encore provides a full suite of financial products
17901 Chenal Pkwy, Suite 100, Little Rock, AR, 72223
Bank OZK, we strive to build on our community Bank heritage by combining high ethical standards with innovative technologies to deliver truly exceptional service to our clients and communities. We are committed to implementing new ideas and cultivating relationships that encourage our communities, large and small, to grow and thrive.
In 1912 when we were known as Commercial Loan & Trust Company. We were founded on sound banking principles, solid business practices, and good, old-fashioned, common sense. Our growth was steady, and what began as a modest enterprise became an established financial institution. In 1965, we changed our name to Commercial Bank & Trust Company.
Frandsen Bank & Trust is a full-service community Banking, trust and investment services organization with 37 offices located throughout Minnesota, Wisconsin, and North Dakota.
Our mission is to determine needs, develop relationships, and deliver solutions. We want to be your bridge to financial success for life.
Kearney Trust Company commit to consistently strive to uphold integrity, trust and exemplary service. We promise to engage in a continuous pursuit in the creation of an atmosphere in which the company can prosper and profit while serving the needs of the community and customers. Our first location was on the southwest corner of Washington.
The First National Bank of Coleraine is proud to be a part of the local community. Since 1906 we have been committed to understanding the needs of the community and working with our friends and neighbors. By taking the time to know you, we believe we will be better able to meet all your financial needs.
Blue Ridge Bank is a locally owned, community bank, established in 1958. With eight locations serving the communities of Independence, Raytown, Kansas City, Lee's Summit, and Blue Springs. Blue Ridge Bank has services to meet every need. Services include: Personal checking including high-interest checking, savings and money market accounts.
American Heritage Bank – The oldest family-owned and operated bank in St. Cloud since 1881, including bank offices in Clearwater, Avon, Long Prairie and Browerville. Also known as the Log Bank, both banking locations in St. Cloud are constructed from full-sized cut pine logs occupying 30, 000 square feet each.
Citizens Bank can trace its origins back to 1913, when Henry and Sallie Rankin acted on their belief that the Columbia area needed a bank that could be responsive to the financial needs of individuals and businesses within their community. Twenty-four original shareholders raised $35, 000 in capital to form the Bank.
