For 2026, the USDA loan limit in South-Toms-River, located within Ocean county, NJ, stands at $657,900. Conversely, the FHA cap for a single-family residence is $822,375.
Leverage the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates available today. This tool helps you ascertain the necessary income, credit, reserves, and documents to qualify. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA loans in parallel, aiding in selecting the most fitting program for your financial requirements 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 primary objective of Lendersa® is to secure you the best USDA or FHA loan rapidly and with ease. Choose one of three initiation methods leading to lender matches and USDA loan programs.
A USDA home loan is backed by the government's Department of Agriculture, often called the USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans, which mandate a minimum 3.5% down payment, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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