USDA and FHA Pro and Con in Ocean-Acres, Ocean County, NJ

In 2025, the USDA loan limit for Ocean-Acres, situated in Ocean, NJ, is $657,900, while the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to evaluate and compare today's leading USDA versus FHA rates and ascertain the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side to help determine which program in best suits your financial needs.

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Loan Limits and Downpayment Requirements for 2025 in Ocean-Acres, Ocean, NJ

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Ocean-Acres, NJ

Lendersa® is dedicated to helping you secure the best possible USDA or FHA loan quickly and effortlessly. Select one of three starting points that connect you with matching lenders and USDA loan programs.

Results from Lendersa USDA loan requests and matchings

Understanding USDA Loans in NJ

A USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans require no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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