In 2025, the established USDA loan limit in Oceanport, which is in Monmouth county of NJ, is $776,600. Similarly, the FHA limit for a single-family home is set at $1,089,300.
Employ the Lendersa® USDA loan calculator to compare the preferable USDA versus FHA rates today and ascertain the required income, credit, reserves, and documentation for qualification. Our cutting-edge mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, guiding you to select the most suitable program for your financial needs in
Examine loan offers from 100 lenders
| Loan Type | Loan Limit | Down payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa®'s mission is to help you acquire the optimal USDA or FHA loan quickly and effortlessly. Choose one out of three paths to align with suitable lenders and USDA loan offerings.
A USDA home loan is government-backed by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, and is mainly available in rural areas. FHA loans, in contrast, necessitate a minimum 3.5% down payment, while USDA loans eliminate this requirement entirely.
Enter your location to find out if it qualifies for USDA rural housing loan?
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