For 2026, the USDA loan limit in Ramtown, located in the county of Monmouth, NJ, is set at $776,600. In contrast, the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The goal of Lendersa® is to help you swiftly obtain the best possible USDA or FHA loan without any hassle. Choose one of three beginning options to find matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, is available exclusively within rural areas. This type of loan forgoes the requirement for a down payment, unlike FHA loans which necessitate a minimum 3.5% down payment, making it an advantageous option for eligible rural homebuyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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