USDA Vs. FHA your options comparison in Clearbrook-Park, Middlesex County, NJ

In 2025, the USDA loan cap for Clearbrook-Park, which is in Middlesex county, NJ, is $657,900. Meanwhile, the FHA cap stands at $822,375 for a single-family residence.

Make use of the Lendersa® USDA loan calculator to compare today's top rates between USDA and FHA, assessing the income, credit, reserves, and documents required for qualifying. Our advanced mortgage calculator methodically displays USDA, FHA, Conforming, and VA loans side by side, guiding you in selecting the most suitable program for your financial needs in .

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2025 Limits on Loans and Down Payment Criteria in Clearbrook-Park, Middlesex, NJ

Loan Category Maximum Loan Minimum Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Choices in Clearbrook-Park, NJ

The Lendersa® objective is to promptly secure the best USDA or FHA loan available to you with minimal effort or inconvenience. Begin with any of the three approaches that connect you with lenders matching the USDA loan programs.

Lendersa's USDA loan request and matching results

USDA Loans Explained in NJ

A USDA home loan, secured by the Department of Agriculture and often called USDA rural development or USDA mortgage, is designated for rural areas only. While FHA loans require at least a 3.5% down payment, USDA loans demand none.

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



  • Rutgers Federal Credit Union
  • 85 Davidson Road, Piscataway, NJ, 08854
  • RFCU began helping faculty and staff and their families reach their financial goals. Over the years, we have since included UMDNJ, students, and partnered with a variety of Rutgers University organizations. Today, Rutgers Federal Credit Union has over $90 million in assets and over 9, 400 members.
  • TFS Mortgage Corporation Inc
  • 437 Newman Springs Road, Lincroft, NJ, 07738
  • TFS Mortgage Corporation, Inc. was formed in 1989 to serve the unique lending needs of Financial Advisors and their clients. TFS is currently licensed in Florida, New Jersey, New York, and Pennsylvania. We are acutely aware that each of our clients has very specific needs which we strive to address with a wide array of lending solutions.
  • Central Jersey Police & Fire Federal Credit Union
  • 2430 Hamilton Avenue, Trenton, NJ, 08619
  • The Central Jersey Police & Fire Federal Credit Union is proud to be a member-owned, not-for-profit financial cooperative dedicated to serving its members. Our motto is “People Helping People.” We are all working together to help each other meet our individual financial goals. The credit union is a nonprofit, cooperative financial institution.
  • First Point Federal Credit Union
  • 2430 Hamilton Avenue, Suite 2, Trenton, NJ, 08619
  • To become a member of First Point Federal Credit Union you must be employed by one of our Select Employee Groups (SEGs) or if someone in your immediate family or household is currently a member of the Credit Union. An immediate family member includes a spouse, child, parent, brother or sister, grandparent or grandchild.
  • Hamilton Horizons Federal Credit Union
  • 3535 Quakerbridge Road, Suite 600, Hamilton Township, NJ, 08619
  • Hamilton Horizons offers a wide variety of convenient, money saving products and services that are designed to meet all your financial needs. These products include high-yield savings and investment accounts, low-interest loans, and numerous services that let you conduct your financial business when it’s convenient for you.
  • Alliance Mortgage Finance LLC
  • 900 Oak Tree Road, Suite B, South Plainfield, NJ, 07080
  • As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations.
  • Northfield Bank NJ
  • 581 Main Street, Suite 810, Woodbridge, NJ, 07095
  • We are a full service community bank serving metropolitan New York and New Jersey. Headquartered in Woodbridge, NJ, our team strives each day to uphold our mission to be the financial institution of choice to individuals and businesses by delivering innovative financial products and exceptional customer service.
  • Central Jersey Federal Credit Union
  • 380 Berry Street, Woodbridge, NJ, 07095
  • CJFCU is a not-for-profit financial cooperative, which means all earnings at the end of the year are returned to our members in the form of better, low-cost financial services. We help our members meet their financial goals by providing exceptional member service, along with quality financial products.
  • Kingdom First Mortgage LLC
  • 655 Amboy Ave, Suite 100, Woodbridge, NJ, 07095
  • Kingdom First has also supported individual families in the process of adopting children, and our company’s leaders have provided mentoring services to our community’s youth. Our world is only as good as the condition in which we leave it for our children. We feel it is our responsibility to shepherd and encourage children to become strong
  • Greenway Mortgage Funding Corp
  • 107 Tindall Rd, Suite 14, Middletown, NJ, 07748
  • Greenway Mortgage is committed to transparency and open communications with its clients. We pride ourselves on speed, efficiency and providing a first-rate experience. Our loan officers are experienced, trusted professionals that are accessible and remain engaged throughout the loan process.
  • Postal Employees Credit Union
  • 4248 South Broad Street, Trenton, NJ, 08620
  • The Postal Employees’ Credit Union was established in 1928 as a state chartered credit union to serve the financial needs of federal employees. Our members are our owners, of which we have approximately 2, 400. The membership is represented by seven currently employed postal employees who direct the operation of the credit union for the benefit.
  • Manville Area Federal Credit Union
  • 43 South Main Street, Manville, NJ, 08835
  • Manville Area Federal Credit Union has always strived to offer convenient & affordable products & services to meet the financial needs of our members & their families.As we go forward, we are making access to the Credit Union easier with our website. We invite you & your family to join our growing Credit Union & take advantage of the many benefits.