USDA and FHA Pro and Con in Collingswood, Camden County, NJ

In 2025, the USDA loan limit for Collingswood in Camden county, NJ is $381,800, whereas for single-family homes, the FHA limit is $529,000.

The Lendersa® USDA loan calculator can compare current USDA and FHA rates, and identify the income, credit score, reserves, and documents required for eligibility. With our mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side to help determine the best program for your financial needs in .

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2025 Loan Limits & Down Payment in Collingswood, Camden, NJ

Loan Type Loan Limit Down Payment
USDA $381,800 0%
FHA $529,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Choices in Collingswood, NJ

The goal of Lendersa® is to give you access to the best USDA or FHA loan swiftly and easily. Choose one of three starting points to connect with lenders and access USDA loan programs.

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Understanding USDA Loan in NJ

The USDA home loan, backed by the Department of Agriculture and known as the USDA rural development loan or USDA mortgage, is limited to rural areas. Unlike FHA loans requiring at least a 3.5% down payment, the USDA loan requires none.

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



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  • Franklin First began in 1958 as four separate credit unions: Franklin County Public Hospital FCU, Franklin County Teachers FCU, Lunt Silversmiths, and Greenfield Tap & Die Credit Union. As the years went on, they became united by common goals and the desire to offer updated services for their members.
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  • BankNewport is proud to be your community bank. Founded in 1819, we are one of the oldest mutual savings banks not only in Rhode Island, but in the entire United States. Currently holding $1.6 Billion in assets, BankNewport is an FDIC-insured savings bank and a subsidiary of the Mutual Holding Company, OceanPoint Financial Partners, MHC.
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