USDA and FHA Pro and Con in Yorketown, Monmouth County, NJ

In 2026, the USDA loan limit in Yorketown, found in Monmouth county, NJ, stands at $776,600, while the FHA limit for single-family homes is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare USDA and FHA rates today. Determine needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side to choose the best option for your financial plan in .

Explore offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in Yorketown, Monmouth County, NJ

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

Finding USDA and FHA Loan Options in Yorketown, NJ

Lendersa® aims to get you the ideal USDA or FHA loan quickly and simply. Choose one of three options to match lenders with USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, endorsed by the Department of Agriculture—commonly called USDA rural development loan or USDA mortgage—is available solely in rural communities. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans need none, offering a zero down payment option.

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



  • Fort Financial Credit Union
  • 3102 Spring St., Fort Wayne, IN, 46808
  • Fort Financial Credit Union began in 1946 when the Bureau of Federal Credit Unions approved the charter for Salisbury Axle Federal Credit Union. Just two years later, membership was at 591 and growing. By 1960 membership had almost doubled and for the next several decades up to the present time, this number would rapidly increase.

  • Sun Lending
  • 1030 Monarch St, Suite 330, Lexington, KY, 40513
  • Sun Lending USA can assist you by providing you with top-notch service, no matter what kind of KY mortgage loan you're looking for or what your individual circumstances are. Obtaining a mortgage loan is one of the most significant decisions you will ever make & it is important that you have an experienced advisor to help you every step of the way.

  • Simplified Mortgage Solutions, LLC
  • 3125 Hebron Drive, Suite 101, West Columbia, SC, 29169
  • SMS we pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you.



    Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan

  • Perfect Circle Credit Union
  • 631 E Main St., Hagerstown, IN, 47346
  • Perfect Circle Credit Union has served working families in Wayne and Henry Counties, helping them meet their financial needs and achieving their goals. Almost ninety years later we are still dedicated to the philosophy of “People Helping People”, and helping our members build better lives.

  • GraCo Federal Credit Union
  • 835 W Warwick Drive, Alma, MI, 48801
  • At GraCo Federal Credit Union, we all benefit from the cooperative nature of our members! If it’s time for a change, it’s time for GraCo FCU and GraCo Federal Credit Union is a member owned financial co-operative dedicated to member service and community involvement through responsible leadership.

  • Commercial Bank
  • 301 N. State St, Alma, MI, 48801
  • Commercial Bank has been a proud local bank since 1893. We have an unwavering devotion to our neighbors and their futures. We make it our mission to reinvest in the community through donations, sponsorships and loans to support the growth of our local residents and businesses. We firmly believe that being local matters.

  • Gratiot Community Credit Union
  • 211 West Center Street, Alma, MI, 48801
  • We have over 50 years of experience servicing the residents and workforce of Gratiot County. We are aware of our responsibility to serve our members and community. We strive to deliver professional, responsive, and personalized banking services to its depositors, borrowers, local businesses, and area professionals.

  • Farmers Bank Jessamine County
  • 200 North Main Street, Nicholasville, KY, 40356
  • One of the earliest financial institutions in Jessamine County was the Farmers Exchange Bank, located on the corner of Main and Walnut Streets in Nicholasville. As with many individuals and businesses, they experienced financial hardships during the depression of the late 1920’s early 1930’s.