USDA VS FHA in Wanamassa, Monmouth County, NJ

In 2026, the USDA loan limit for Wanamassa in Monmouth county, NJ is set at $776,600, whereas the FHA limit for a single-family home is $1,089,300.

Utilize Lendersa® USDA loan calculator to contrast today’s top USDA and FHA rates, and find out the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Wanamassa, Monmouth, NJ

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Options for USDA and FHA Loans in Wanamassa, NJ

Lendersa®'s ambition is to quickly secure the ideal USDA or FHA loan for you, without complications. Select one of three starting points that link you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan is a government-backed mortgage by the Department of Agriculture, also referred to as a USDA rural development loan, available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans necessitate no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



Wanamassa Lenders

  • AAFC Group LLC
  • 3430 Sunset Avenue, Suite 17, Ocean, NJ, 07712
  • Lends in New Jersey
  • We are committed to offering only the highest quality professional service to our mortgage customers, realtors and associates. We’ll help you navigate the mortgage loan process, answering your questions and offering our advice along the way. Our customers are always treated with the utmost respect, courtesy and professionalism.

  • The Loan Tree Corp
  • 922 Main Street, Asbury Park, NJ, 07712
  • Lends in New Jersey
  • The Loan Tree specialize in FHA 203K & Fannie Mae HomeStyle Rehabilitation Mortgages that allow for the purchase or refinance of your home while providing additional funds for rehab/improvements We also offer Low/No closing cost Conventional mortgages as well as FHA & VA mortgages at low fixed rates

  • Advisors Mortgage Group, L.L.C.
  • 1411 Highway 35, Asbury Park, NJ, 07712
  • Lends in New Jersey
  • Advisors Mortgage Group, LLC was founded in October 1999 by a single loan officer in a 400 square foot office in Shrewsbury, New Jersey. In the years since its formation, AMG has grown to serve not only the greater New Jersey area, but also a vast portion of the United States. With branch offices up and down the East Coast

  • West Park Mortgage
  • 246 Monmouth Road, Oakhurst, NJ, 07755
  • Lends in New Jersey
  • Our House Mortgage is a mortgage company that focuses primarily on residential real estate. Our mission is to help our borrowers and their families realize the dream of affordable home ownership. At Our House Mortgage we thrive on excellence, performance, and integrity. We attract the best and brightest in the industry to work here.

  • UNITY RESIDENTIAL AND COMMERCIAL MORTGAGE, INC.
  • 1806 Route 35, Suite 303, Oakhurst, NJ, 07755
  • Lends in New Jersey
  • At Unity Residential and commercial Mortgage INC we are a full-service mortgage company based in NJ. We specialize in home loans and refinancing We also serve the surrounding cities. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

  • Atlantis Mortgage
  • 55 Oceanport Ave, West Long Branch, NJ, 07764
  • Lends in New Jersey
  • The Atlantis team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work one-on-one with you to provide a financial solution specifically tailored to meet your financing needs.

  • Progress Capital
  • 620 Tinton Avenue, Building B, 1st Floor, Eatontown, NJ, 07724
  • Lends in New Jersey
  • Progress Capital is a commercial real estate advisory firm specializing in arranging debt for commercial real estate owners and developers of mixed-use, multi-family, construction, industrial, retail, office and commercial storage properties. With 30 years of industry leading experience in the Metro New York, Philadelphia and New Jersey markets.

  • Second Generation Mortgage Group LLC
  • 788 Shrewsbury Avenue, Tinton Falls, NJ, 07724
  • 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, which is why we pride ourselves on our guar

  • MDE Home Loans, LLC
  • 766 Shrewsbury Avenue, East Bldg, Suite 204, Tinton Falls, NJ, 07724
  • Lends in New Jersey
  • MDE Home Loans is dedicating to fulfilling the American Dream of home ownership by providing buyers access to financing and industry leading lending services.Our highly trained team averages more than two decades of experience in mortgage lending. We understand that each customer has specific needs & we strive to deliver personalized.