FHA Vs. USDA loan program for Toms-River, Ocean County, New Jersey

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.

Get top 10
USDA LENDERS
customized to yout needes

(512) 859-2202 Lender's profile and map Reviews The Granger National Bank 201 West Davilla Street, Granger, TX, 76530 Granger National Bank is the oldest banking establishment in Granger; founded in 1920. The current bank building was erected shortly thereafter in 1924. Granger National Bank survived the stock market crash in 1929 and the ensuing depression of the early thirties. Successful decades passed and the bank celebrated its centennial year in 2020.
(620) 872-7224 Lender's profile and map Reviews Security State Bank 117 North 4th Street, Leoti, KS, 67861 Security State Bank is a full-service community bank located in Scott County, Kansas. On April 24, 1961, Security State Bank of Scott City opened its doors to the public with capital and surplus of $150 thousand dollars. Today the bank’s total assets are over $300 million dollars with total capital in excess of $44 million dollars.
(888) 449-2265 Lender's profile and map Reviews Great Plains National Bank 120 West Jones, Hollis, OK, 73550 Great Plains National Bank is a full-service community Bank with branches in Oklahoma and Texas, offering personal Banking solutions designed to meet your financial needs including checking, savings, loan and mortgage services. To exceed our customers’ expectations by delivering superior customer service that will lead Great Plains National Bank.
(979) 725-9575 Lender's profile and map Reviews Hill Bank & Trust Co. 201 East Main Street, Weimar, TX, 78962 The Hill Bank and Trust Co. is an independent community bank pledged to maintain its financial independence and to provide quality banking services to the people, businesses and institutions of the Weimar, Texas area. We believe our most important assets are our customers and employees.
(620) 624-0707 Lender's profile and map Reviews The Bank Of Beaver City PO Box 1279, Liberal, KS, 67905 The Bank of Beaver City was chartered in 1902, five years before Oklahoma statehood, by a group of local businessmen to provide much needed banking services to the Beaver, Oklahoma area. The Bank expanded in 2007 by constructing the Liberal Banking Center in nearby Liberal, KS. This made two full service banking locations to meet customer needs.
(701) 463-2262 Lender's profile and map Reviews TruCommunity Bank 102 North Main Street, Garrison, ND, 58540 TruCommunity Bank would become the name of Farmers Security Bank, Garrison State Bank & Trust, and Bank of Turtle Lake. TruCommunity Bank will remain at the heart of our communities and is very dedicated to being the great local banks you know and love. Visit one of our 4 locations in Garrison, Max, Turtle Lake, and Washburn.
(512) 352-8523 Lender's profile and map Reviews The City National Bank of Taylor 212 N. Main, Taylor, TX, 76574 Taylor, established in 1876, is a town of nearly 16, 250 located in the heart of Texas about 35 miles northeast of Austin, the state capital. The I&GN train tracks laid down through Williamson County quickly brought commerce and development to the newly settled town. City National Bank opened its doors in 1900
(254) 445-4400 Lender's profile and map Reviews First National Bank of Dublin 825 N. Patrick, Dublin, TX, 76446 The First National Bank is an independent locally owned bank located in Dublin, Texas. The bank was chartered on May 7, 1985. On January 1, 1997 First National Bank merged with First State Bank of Deleon, Texas. The newly created bank retained the First National Bank's name & opened its main office in Dublin & branches in DeLeon and Gustine, Texas.
(979) 968-9511 Lender's profile and map Reviews Fayette Savings Bank, SSB 111 East Travis, La Grange, TX, 78945 Fayette County Savings & Loan Association was organized in October of 1976. By March of 1977, all of the necessary stock was sold and Fayette County Savings & Loan Association was chartered on December 31, 1977. Insurance of accounts was obtained on August 28, 1978, and Fayette County Savings & Loan Association opened for business.
(979) 968-3136 Lender's profile and map Reviews National Bank & Trust 145 West Colorado, La Grange, TX, 78945 Chartered in 1888, National Bank & Trust is headquartered in La Grange, Texas, and has been a major contributor in the development and expansion of the business and agricultural community since its inception. National Bank & Trust is a full-service Bank with friendly people who take the time to listen
(254) 690-2274 Lender's profile and map Reviews Greater Central Texas FCU 3305 E Elms Road, Killeen, TX, 76542 Greater Central Texas Federal Credit Union has been open since 1957. The credit union has assets totaling $31.67 Million and provides banking services to more than 2, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working
(512) 943-2243 Lender's profile and map Reviews Waymaker Mortgage 605 River Bend, Suite 100, Georgetown, TX, 78626 Waymaker Mortgage was founded in 2017 by entrepreneur Scottie Campbell, a mortgage loan officer and visionary leader with over a decade of mortgage lending experience. Scottie and Natalie Campbell are passionately driven to help as many families as possible to achieve their American Dream of homeownership and build generational wealth.