FHA VS Conventional loan programs in Smithville, Atlantic County, New Jersey

In 2025, Convetional loan limit in Smithville, county of Atlantic, NJ is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NJ is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Smithville, county of Atlantic, NJ

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 8205

Conventional and FHA loan options in Smithville, NJ

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • PacificFirst Mortgage
  • 6120 Paseo Del Norte, Suite A-2, Carlsbad, CA, 92011
  • PacificFirst Mortgage believes in the value of relationships and it's this idea that ensures that we provide each of our clients with the Very Best customer service found anywhere in the mortgage industry. Our dedicated team of financial professionals are trained and committed to have immediate communication with you concerning your mortgage needs.
  • Newdeck Capital Lending
  • 6882 Watercourse Drive, Carlsbad, CA, 92011
  • NewDeck Capital specializes in real estate listing & sales, mortgage financing, and everything in between. We strive to provide our clients with the highest quality of service and have built our business on a platform of long term relationships. We’ve been able to apply our combined 60+ years experience in assisting our clients.
  • My Preferred Lender
  • 6120 Paseo Del Norte, Suite A-2, Carlsbad, CA, 92011
  • My Preferred Lender The goal of My Preferred Lender (MPL) is to establish a valued relationship between ourselves and our clients. The MPL Team consists of only the most qualified and experienced loan advisors strictly licensed by the California Bureau of Real Estate (CalBRE) and the Nationwide Mortgage.
  • America's Loan Advisors Inc.
  • 701 Palomar Airport Road, Suite 300, Carlsbad, CA, 92011
  • We directly fund between $9-$10 billion a year in home loans. This means we process, underwrite & wire the funds. If we do not have a loan option for our client “in-house, ” we will process the loan and submit it to an investor for underwriting and funding. Having both these funding sources allow us to provide the best loan options for our clients.
  • Integrity Financial
  • 701 Palomar Airport Road, Suite 300, Carlsbad, CA, 92011
  • We are a full service mortgage lending company with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance to home improvement to debt consolidation to construction lending. With access to over 100 full range mortgage sources, our lending specialists are dedicated to finding you the right loan.
  • Bluefire Mortgage Group
  • 2121 Palomar Airport Road, Suite 204, Carlsbad, CA, 92011
  • At Bluefire Mortgage Group, we understand the apprehension you may feel when buying a home and looking for financing. We do our very best to help you overcome your apprehension and understand all aspects of your mortgage and how it works. We are committed to responsible lending and pride ourselves on delivering exactly what we promise.
  • La Costa Loans
  • 703 PALOMAR AIRPORT ROAD SUITE 225, Carlsbad, CA, 92011
  • La Costa Loans’ private money provides short term financings ranging from $50,000 to $1,500,000 when traditional capital sources are unavailable, too slow or too costly. These private money loan transactions are often less costly than equity partnerships, more flexible in underwriting the collateral and borrower than institutional debt.
  • The GreenHouse Group Inc
  • 3594 Adams Ave, San Diego, CA, 92116
  • We are a full-service real estate consulting & mortgage planning brokerage firm located here in The Heart of San Diego. We are local – San Diego Made – and we proudly represent home sellers, home buyers & those looking for home financing along the way. We are the highest-rated, most 5 star reviewed real estate company in the entire county ..