USDA Loan Vs. FHA loan for Union-Beach, NJ [Monmouth County ]

In 2026, the USDA loan limit in Union-Beach, within Monmouth, NJ, is set at $657,900, whereas the FHA limit for a single-family dwelling is $822,375.

Employ the Lendersa® USDA loan calculator to evaluate and juxtapose today's USDA versus FHA top rates. This tool aids in determining the needed income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, guiding you in choosing the optimal program for your financial needs in .

Options for USDA and FHA Loans in Union-Beach, NJ

Lendersa® is dedicated to swiftly and seamlessly facilitating the acquisition of the best USDA or FHA loan. Begin by selecting one of three paths to connect with lenders and explore various USDA loan offerings.

Lendersa USDA loan request and match outcomes

Understanding USDA Loans in NJ

The USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. In contrast to FHA loans requiring a minimum 3.5% down payment, USDA mortgages necessitate no down payment, making them particularly appealing for qualified buyers.

Get top 10
USDA LENDERS
customized to yout needes

Union-Beach Lenders
(732) 497-0206 Lender's profile and map Mortgage Plus Inc 62 State Route 36 South, 2nd Floor, Keyport, NJ, 07735 Lends in New Jersey 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) 747-7800 Lender's profile and map K Hovnanian American Mortgage 90 Matawan Rd, Matawan, NJ, 07747 Lends in New Jersey 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..
(888) 616-9885 Lender's profile and map Greenway Mortgage Funding Corp 107 Tindall Rd, Suite 14, Middletown, NJ, 07748 Lends in New Jersey Greenway Mortgage is committed to transparency and open communications with its clients. We pride ourselves on speed, efficiency and providing a first-rate experience. Our loan officers are experienced, trusted professionals that are accessible and remain engaged throughout the loan process.
(732) 298-6318 Lender's profile and map BLUEROCK MORTGAGE, L.L.C. 1120 Campus Drive W., MORGANVILLE, NJ, 7751 Lends in New Jersey Our mission is to serve our customers with honesty, integrity and competence. Our goal is to find and provide the right home loan for our clients while providing them with the lowest combination of interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
9082422570 Lender's profile and map National Funding Services, LLC 416 Smith St, Perth Amboy, NJ, 08861 Lends in New Jersey Our mission is to open the field for all investors who may have yet to get a chance through traditional banking institutions to get funding for their business and commercial endeavors. In today's commercial lending market, traditional banks have a very narrow scope for approvals; we can expand the spectrum of lending guidelines by opening fund
(732) 442-5648 Lender's profile and map United Poles Federal Credit Union 412 New Brunswick Avenue, Perth Amboy, NJ, 08861 Lends in New Jersey United Poles FCU is a full-service credit union profitably serving the financial needs of the Polish-American ethnic communities through highly-motivated and professional staff. We remain focused on growing the wealth of our members and remaining their primary financial partner through all their life stages.