USDA Vs. FHA your options comparison in Clark, Union County, NJ

Throughout 2025, the USDA loan limit for Clark in Union, NJ is $0, while the FHA limit for a single-family residence is $1,089,300.

Utilize the Lendersa® USDA loan calculator to evaluate and contrast today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, assisting you in choosing which program in best suits your financial situation.

Compare loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2025 in Clark, Union, NJ

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

USDA and FHA Loan Options in Clark, NJ

Lendersa® aims to provide you the best USDA or FHA loan quickly and without hassle. Choose one of three pathways that lead to matching lenders and USDA loan programs.

Lendersa's USDA loan request and matching results

What is a USDA Loan in NJ?

A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.

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



  • Vienna Capital Advisors
  • PO Box 70144, Myrtle Beach, SC, 29572
  • Vienna Capital Advisors is a private lender/broker that also works directly with other lenders to offer real estate collateralized loans that, for whatever reason, do not meet conventional banks’ lending criteria. Property types include but not limited to: Residential, Hotel, Assisted Living, and Multi-Family
  • Sunrise Family Credit Union
  • 404 S Euclid Avenue, Bay City, MI, 48706
  • Sunrise Family Credit Union has grown over the years but our commitment to you has stayed the same. Our goal is to assist all our members to overcome obstacles and realize their financial Dreams.Sunrise Family Credit Union is a not-for-profit financial cooperative, offering the same services as other financial institutions.
  • New Executive Mortgage
  • 100 W. Midland St., Bay City, MI, 48706
  • New Executive Mortgage LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • FinancialEdge Credit Union
  • 1199 South Euclid Avenue, Bay City, MI, 48706
  • FinancialEdge was first known as Bay City Municipal Federal Credit Union & later expanded through mergers & acquisition of new employer groups to become Bay Governmental Credit Union.Our purpose remains dedicated to being an integral part of members' lives & our community with innovative financial services designed to fit today's lifestyles.
  • COPOCO Community Credit Union
  • 4265 Wilder Road, Bay City, MI, 48706
  • COPOCO Community Credit Union is a credit union, not a bank. What's the difference? The difference is the credit union exists out of an International social purpose of people helping people. Credit unions are not for profit, not for charity, but for service decisions made based on what is best for the credit union members
  • South Central Credit Union
  • 958 W Monroe Street, Jackson, MI, 49202
  • South Central Credit Union was organized as Tri-County State Employees Credit Union on June 16, 1954. At that time it was housed in the accounting department of the prison. In 1986 the name was changed to South Central State Employees Credit Union, when Tri-County merged with Sparton Employees Credit Union.
  • TRUE Community Credit Union
  • 1100 Clinton Road, Jackson, MI, 49202
  • At TRUE to our members, TRUE to our communities, and TRUE to our team. All are invited to join TRUE Community, and we proudly serve anyone who lives, learns, works, or worships across the State of Michigan. We work hard to create and protect an inclusive environment where differences are celebrated
  • Centerbank
  • 744 State Route 28, Milford, OH, 45150
  • CenterBank, founded in 2000, was built upon an old concept; community banking. We know our customers on a first name basis, keep an open-door policy, and work hard to find common sense solutions for customers. Our product set and customer niche are delimited to foster expertise necessary to deliver best in class service and manage
  • RiverHills Bank
  • 553 Chamber Dr, Milford, OH, 45150
  • RiverHills Bank, formerly New Richmond National Bank, has been serving people just like you and your family in Clermont County for over a century.Investing in the lives of friends and neighbors and keeping your locally earned dollars actively at work in our communities, RiverHills Bank is proud to serve as your community Bank.
  • Christian Family Credit Union
  • 410 Chamber Drive, Milford, OH, 45150
  • When you bank with Christian Family Credit Union you make an investment in kingdom building. The money you have on deposit with us, we use to lend to other Christian families.When you bank with Christian Family Credit Union you make an investment in kingdom building. The money you have on deposit with us, we use to lend to other Christian families.
  • The Brookville Building and Savings Association
  • 510 Arlington Road, Brookville, OH, 45309
  • The Brookville Building & Savings Association was chartered on February 28, 1903 to serve the various savings and credit needs of individuals, businesses, and organizations in our community. At that time, Brookville was the largest and most active business center in Clay Township.
  • Aroostook County Federal Savings and Loan Association
  • 43 High St, Caribou, ME, 04736
  • At Aroostook Savings & Loan, Your Home Bank. Since 1936, we have been dedicated to serving the people of Aroostook County & our members, who own our mutual Association. The decision to start the mutual savings association was easy at the time. During the depression, people were having a hard time to acquire the financing they needed to buy