USDA Vs. FHA your options comparison in Commercial, Cumberland County, NJ

In 2025, the USDA loan cap for Commercial in Cumberland, NJ is $336,500. For a single-family home, the FHA cap stands at $472,030.

Employ the Lendersa® USDA loan calculator to weigh today's top USDA vs. FHA rates and ascertain the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding you in selecting the optimal program for your financial circumstances in .

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2025 Loan Limits and Down Payment Information in Commercial, Cumberland, NJ

Type of Loan Limit on Loan Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Selections in Commercial, NJ

Lendersa® aims to secure the best USDA or FHA loans swiftly and effortlessly. Choose from three starting points to connect with lenders and explore USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is intended for rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, a USDA mortgage requires no down payment.

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



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