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$92,600$122,250
Bergen-Passaic, NJ HUD Metro FMR Area$108,550$143,300
Jersey City, NJ HUD Metro FMR Area$108,250$142,900
Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area$117,100$154,550
Monmouth-Ocean, NJ HUD Metro FMR Area$108,550$143,300
Newark, NJ HUD Metro FMR Area$108,550$143,300
Ocean City, NJ MSA$96,150$126,900
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA$103,650$136,800
Trenton, NJ MSA$108,550$143,300
Vineland-Bridgeton, NJ MSA$92,600$122,250
Warren County, NJ HUD Metro FMR Area$108,550$143,300
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