Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in New Jersey. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

New Jersey Guaranteed USDA Loan Limits

Area
1-4 Person Households
5-8 Person Households
Atlantic City-Hammonton, NJ MSA$323,000$417,000
Bergen-Passaic, NJ HUD Metro FMR Area$357,000$417,000
Jersey City, NJ HUD Metro FMR Area$323,000$417,000
Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area$374,000$417,000
Monmouth-Ocean, NJ HUD Metro FMR Area$340,000$417,000
Newark, NJ HUD Metro FMR Area$323,000$417,000
Ocean City, NJ MSA$323,000$417,000
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA$323,000$417,000
Trenton, NJ MSA$323,000$417,000
Vineland-Bridgeton, NJ MSA$323,000$417,000
Warren County, NJ HUD Metro FMR Area$323,000$417,000
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