USDA Vs. FHA Pro and Con comparison in Cherry-Hill, Camden County, NJ

As of 2025, the USDA loan maximum in Cherry-Hill, situated in Camden county, NJ, is $345,000, whereas the FHA limit for a single-family dwelling is $431,250.

Make use of the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates, and identify the income, credit standards, reserves, and documentation necessary to qualify. Our advanced mortgage calculator demonstrates USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most suitable program in for your distinct financial requirements.

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2025 Loan Limits and Down Payment Requirements in Cherry-Hill, Camden County, NJ

Type of Loan Maximum Loan Down Payment
USDA $345,000 0%
FHA $431,250 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Cherry-Hill, NJ

At Lendersa®, our aim is to promptly and smoothly provide you with the best USDA or FHA loan options. Choose one of three starting points to connect with matching lenders and explore various USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan is supported by the government through the Department of Agriculture, also called a USDA Rural Development Loan or USDA mortgage, and is exclusively available in rural areas. In contrast to FHA loans, which need a minimum 3.5% down payment, the USDA mortgage demands none.

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



  • Asian Bank
  • 815-837 Arch Street, Philadelphia, PA, 19107
  • At Asian Bank, we share your values of hard work, saving, and education. We are committed to providing highly personalized service and a wide range of banking products and services to help you, your family and your business.values of hard work, saving, and education. We are committed to providing highly personalized service
  • Police and Fire Federal Credit Union
  • 901 Arch Street, Philadelphia, PA, 19107
  • PFFCU’s mission is to be our members’ primary financial services provider, focusing on loans and deposits. We will earn our members’ Trust by providing quality financial products at very attractive prices, delivered with superior Service, Value, and Convenience. PFFCU is looking for staff who share our values and can help us achieve our mission.
  • Hansen Mortgage Services
  • 905 Arch Street, Suite 201, Philadelphia, PA, 19107
  • Hansen Financial Svc is a mortgage lending institution that prides itself in providing high quality financial services to the public. It is our mission to provide high quality mortgage programs at the most competitive rates in the nation. Our home loan programs include: purchase, refinance, debt consolidation, home equity loans, second mortgages.
  • Lisa Home Mortgage
  • 123 N. 9th Street, Suite 101, Philadelphia, PA, 19107
  • LISA HOME MORTGAGE is an American Limited Liability Corporation in the mortgage industry. As a leader in mortgage financing, the company is multi-state licensed, providing mortgage loan options for clients in need of purchasing or refinancing residential or commercial properties.
  • Keystone Lending Partners
  • 1315 Walnut Street, Suite 1517, Philadelphia, PA, 19107
  • We’re a small, local mortgage company that does things a little differently. We take a personal approach to every loan because this isn’t just a financial decision-it’s your home. We have almost 20 years of experience in the residential mortgage business with access to a full spectrum of loan products to fit your purchase and refinance needs.
  • Transit Workers Federal Credit Union
  • 919 E Cayuga Street, Philadelphia, PA, 19124
  • Transit Workers Federal Credit Union, offers a full line of financial products to all its members in a professional, consistent & courtesy manner. Chartered in 1967, TWFCU is a not-for-profit financial cooperative, democratically owned and run by its members. The credit union is governed by a volunteer Board of Directors, elected by the membership.
  • Enterprise Commercial Financing
  • 100 South Broad Street, Suite 30, Philadelphia, PA, 19110
  • Enterprise Commercial Financing takes great pride in providing our clients with the absolute best loan options, rates and terms at the lowest service fee in the country. We ALWAYS put our clients best interest above our own. You can always rely on us for great service, professionalism and dependability.
  • ABC Capital RE, LTD
  • 1218 N. Marshall Street, Philadelphia, PA, 19122
  • ABC Capital RE, LTD is a one-stop shop for overseas and US real estate clients. We locate, renovate, and manage properties for hands off international/national clients. You do not have the risk of buying securities but instead your real estate properties remain in your own separate legal entity. ABC has presented our unique value proposition all o
  • United Bank of Philadelphia
  • 30 South 15th Street, 1st Floor, Philadelphia, PA, 19102
  • The primary mission of United Bank of Philadelphia is to deliver excellent customer service at a profit and to make United Bank of Philadelphia the “hometown” bank of choice. Our goal is to foster community development by providing quality personalized comprehensive banking services to business and individuals in the Greater Philadelphia Region, wi
  • Diligence Capital Advisors
  • 1420 Walnut Street, Suite 1216, Philadelphia, PA, 19102
  • Diligence Capital Advisors is a Boutique Commercial Real Estate Capital Markets Solutions and Full Service Consulting Firm and Our services include capital markets solutions, including debt and equity procurement and placement, and full-service consulting spanning transactional oversight/advisory and asset management for existing portfolios and dev
  • Stursberg & Fine Capital
  • 1528 Walnut Street, Suite 2008, Philadelphia, PA, 19102
  • Our firm is built upon integrity. We have 96.5% repeat business from our clients because of our proven track record for 20+ years. Stursberg & Fine clients enjoy a strong and trusting relationship with our staff of experts that ensures our clients the highest possible level of service, advice, and experience.
  • Liberty SBF
  • 2 Penn Ctr, Philadelphia, PA, 19102
  • "Liberty SBF is an experienced commercial real estate finance company. With a special expertise in small-balance commercial lending, we are positioned to address the needs of small businesses facing a challenging credit environment. We provide: Small Business Lending Commercial Real Estate Financing Loan Servicing"