For 2026, the USDA loan limit in Stafford, within Ocean county, NJ, is set at $776,600. In contrast, the FHA cap for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA. Determine the income, credit, reserves, and documentation necessary to qualify. With our comprehensive mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans 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% |
Lendersa® is focused on securing the best USDA or FHA loans for you without hassle. Choose one of three starting options to connect with matching lenders and USDA programs.
The USDA loan, also called a Rural Development Loan or USDA Mortgage, is guaranteed by the Department of Agriculture and is available only in rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, 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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