For the year 2025, the USDA loan limit in Strathmore, within Monmouth county, NJ, stands at $776,600, whereas for an FHA loan, it is $1,089,300 for a single-family residence.
Utilize the Lendersa® USDA loan calculator to evaluate current USDA and FHA interest rates. This tool assists in understanding the income, credit score, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator lays out USDA, FHA, Conforming, and VA loans side-by-side, enabling you to choose the most suitable 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® strives to quickly and efficiently secure you the ideal USDA or FHA loan. Choose from three avenues available for linking with lenders and accessing USDA loan programs.
A USDA home loan, alternatively known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. It serves rural community areas exclusively. Unlike FHA loans, which mandate at least a 3.5% down payment, USDA mortgages do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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