USDA and FHA Pro and Con in Avenel, Middlesex County, NJ

In 2025, the loan limit for USDA in Avenel, Middlesex, NJ is set at $776,600, whereas the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare today's best USDA vs. FHA rates and determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping determine which program in best fits your financial situation.

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2025 Loan Limits and Downpayment Requirements in Avenel, Middlesex, NJ

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Options in Avenel, NJ

Lendersa®'s aim is to rapidly secure you the optimal USDA or FHA loan without hassle. Choose one of three starting points that result in pairing with lenders and accessing USDA loan programs.

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Understanding USDA Loans in NJ

A USDA home loan, backed by the Department of Agriculture, is alternatively called a USDA rural development loan or USDA mortgage. This type of loan is available only in rural areas, distinguishing it from FHA loans which demand a minimum down payment of 3.5%, whereas USDA loans need none.

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



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