USDA Vs. FHA your options comparison in Atlantic-City, Atlantic County, NJ

In 2025, the USDA loan limit for Atlantic-City, in the county of Atlantic, NJ, is $285,000. For a single-family home, the FHA limit is $356,362.

Utilize the Lendersa® USDA loan calculator to compare today’s USDA against FHA best rates. This calculator aids in determining the income, credit, reserves, and documents required for qualification. Our advanced mortgage tool presents USDA, FHA, Conforming, and VA loans side by side, assisting in finding the best program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Atlantic-City, Atlantic County, NJ

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Atlantic-City, NJ

The objective of Lendersa® is to connect you with the best USDA or FHA loan swiftly and conveniently. Choose one of three methods to find lenders that match USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, which is backed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is exclusively available in rural neighborhoods. In contrast to FHA loans that require at least a 3.5% down payment, USDA loans require zero down payment, making them more accessible for rural homebuyers.

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



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