USDA Guaranteed Loans are the most popular rural development mortgage program in New Jersey.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with New Jersey USDA income limits playing a major role.  Guaranteed Loan income limits across NJ are listed below.

New Jersey USDA Guaranteed Loan Income Limits

1-4 Person Households
5-8 Person Households
Atlantic City-Hammonton, NJ MSA$91,550$120,850
Bergen-Passaic, NJ HUD Metro FMR Area$101,550$134,050
Jersey City, NJ HUD Metro FMR Area$92,450$122,050
Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area$105,800$139,650
Monmouth-Ocean, NJ HUD Metro FMR Area$95,000$125,400
Newark, NJ HUD Metro FMR Area$94,600$124,850
Ocean City, NJ MSA$91,550$120,850
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA$93,750$123,750
Trenton, NJ MSA$94,600$124,850
Vineland-Bridgeton, NJ MSA$91,550$120,850
Warren County, NJ HUD Metro FMR Area$94,600$124,850
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