In 2026, the USDA loan limit for Pine-Lake-Park in the county of Ocean, NJ, is $657,900, while the FHA limit for a single-family home is $822,375.
Use the Lendersa® USDA loan calculator to compare USDA and FHA rates for today. Determine the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator allows viewing USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The goal of Lendersa® is to provide you with the best USDA or FHA loan quickly and without hassle. Choose one of three starting points to find matching lenders and USDA loan programs.
A USDA home loan is guaranteed by the government Department of Agriculture, also called a USDA rural development loan or mortgage, and is exclusively available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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