USDA Loan Vs. FHA loan for Toms-River, NJ [Ocean County ]

In 2025, the USDA loan limit in Toms-River, located in Ocean county, NJ, is $657,900. Meanwhile, the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare today's most favorable USDA against FHA rates. This tool helps determine income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the best program for your specific financial needs in .

Exploring USDA and FHA Loan Options in Toms-River, NJ

Lendersa® is dedicated to quickly and easily matching you with the ideal USDA or FHA loan. Choose from three pathways to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, endorsed by the government through the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans require no down payment, offering greater accessibility for rural homebuyers.

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(609) 665-0927 Lender's profile and map Reviews Moving forward in lifestyle 220 University Ave, Pemberton, NJ, 08068 Moving forward Our process and program offers an easy and efficient way to help clients dispute negative items on their credit reports, build new accounts, and regain control of their futures and also Seasoned investors or new investors we can help you get the funds you need for investing.
(609) 268-9222 Lender's profile and map Reviews Energy People Federal Credit Union 39 Wicklow Drive, Tabernacle, NJ, 08088 As a credit union, Energy People is owned and governed by our 1, 350 members. We were founded as a not-for-profit financial cooperative in 1960 by our original members who shared the common bond of employment in Public Service Electric and Gas in Moorestown. The employees pooled their savings and lent money to each other at low interest rates.
(732) 591-8700 Lender's profile and map Reviews Amboy Bank 3590 US Highway 9 South, Old Bridge, NJ, 08857 Amboy Bank is a community bank offering banking services for individuals and businesses in New Jersey for over 130 years. Amboy's branch offices provide checking, savings, mortgages, home equity and business loans among many other high quality services. Amboy continues to be recognized as the Best Bank in Central New Jersey more than 20 years.
(732) 970-9210 Lender's profile and map Reviews New Jersey Home Funding 1405 Route 18 South, Old Bridge, NJ, 08857 Established in 1990 New Jersey Home Funding Group llc is one of New Jersey's longest standing independent mortgage lender. For 27 years and billions of dollars of residential mortgages originated over that time there has never been 1 single consumer complaint upheld by any regulatory agency. A record we are proud of!
(732) 747-7800 Lender's profile and map Reviews K Hovnanian American Mortgage 90 Matawan Rd, Matawan, NJ, 07747 Hovnanian Enterprises, Inc., founded in 1959 by Kevork S. Hovnanian, is headquartered in Red Bank, New Jersey. The Company is one of the nation’s largest homebuilders with operations in Arizona, California, Delaware, Florida, Georgia, Illinois, Maryland, New Jersey, Ohio, Pennsylvania, South Carolina, Texas, Virginia, etc..
(732) 497-0206 Lender's profile and map Reviews Mortgage Plus Inc 62 State Route 36 South, 2nd Floor, Keyport, NJ, 07735 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(732) 275-1600 Lender's profile and map Reviews FIRST LENDERS MORTGAGE 29B W. Front Street, Keyport, NJ, 7735 As mortgage professionals, we strive to provide outstanding service as well as a variety of mortgage options and borrowing solutions for our clients at the best price.Since opening First Lenders Mortgage, we have grown from 1 owner, one office, and a few reps to 10 team members with diverse backgrounds and experience.
(609) 585-4334 Lender's profile and map Reviews Postal Employees Credit Union 4248 South Broad Street, Trenton, NJ, 08620 The Postal Employees’ Credit Union was established in 1928 as a state chartered credit union to serve the financial needs of federal employees. Our members are our owners, of which we have approximately 2, 400. The membership is represented by seven currently employed postal employees who direct the operation of the credit union for the benefit.
(800) 446-4493 Lender's profile and map Reviews Preferred Funding Services, Inc. 25 Homestead Drive, Suite F, Columbus, NJ, 08022 At Preferred Funding Services, Inc., we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(609) 528-4400 Lender's profile and map Reviews First Bank NJ 2465 Kuser Road, Suite 101, Hamilton, NJ, 08690 First Bank is all about returning to banking basics. As a locally-owned and operated community bank, we pride ourselves on great customer service that is highly personalized, efficient and responsive to local needs. On April 23, 2007, First Bank commenced operations at its office at 1229 South Black Horse Pike in Williamstown, NJ.
(609) 586-6669 Lender's profile and map Reviews Mercer County NJ Teachers' Federal Credit Union 2271 Highway 33, Suite 108, Trenton, NJ, 08690 Mercer County NJ Teachers’ Federal Credit Union (MCNJTFCU) is a member-owned, not-for-profit financial cooperative dedicated to providing quality financial products and services and delivering them professionally and courteously. Unlike other financial institutions that need to generate profits to satisfy stockholders.
(732) 727-3500 Lender's profile and map Reviews Raritan Bay Federal Credit Union 491 Raritan Street, Sayreville, NJ, 08872 Raritan Bay Federal Credit Union is a non-profit, community chartered financial institution that serves everyone who lives, works, worships, or attends school in Middlesex County. Raritan Bay Federal Credit Union was chartered in 1941, and is owned and operated by its members. We are dedicated to serve the financial needs of our members.