USDA Vs. FHA Pro and Con comparison in Deerfield, Cumberland County, NJ
In the year 2025, the USDA loan cap in Deerfield, within Cumberland county, NJ, is $336,500; meanwhile, the FHA cap for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to weigh today's top USDA versus FHA interest rates and to ascertain qualifying income, credit, reserve requirements, and necessary documentation. The advanced calculator provides a comparison of USDA, FHA, Conforming, and VA loans side by side to guide you in determining the most suitable program for your financial needs in .
2025 Loan Limits and Down Payment Guidelines in Deerfield, Cumberland, NJ
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Deerfield, NJ
Lendersa® strives to efficiently obtain the most favorable USDA or FHA loan with ease. Choose from three initial steps to find lenders and USDA programs tailored to your needs.
The USDA home loan, endorsed by the U.S. Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage and is available exclusively in rural areas. Unlike FHA loans which mandate at least a 3.5% down payment, USDA loans require no down payment at all.
Valor Home Mortgage is a Military Veteran owned and operated mortgage company. Our mission is to exceed our clients’ expectations and help them accomplish their mortgage financing goals. We offer clients fast customized quotes, low rates, superior service, and on-time closings. It is our great honor to serve you and your family in helping you.
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CedarStone Bank is known for returning to the simple basics of banking. Our friendly, experienced bankers are a group of business and community leaders in Wilson County & Nashville who deliver professional services and products to individuals and businesses. We are always looking for people who share our vision of serving.
Wilson Bank & Trust was founded on May 5, 1987, by a group of local business leaders under the leadership of the founding CEO, Randall Clemons. The first office was located in this small house located in Lebanon, Tennessee. Since then, we've grown considerably with 29 offices in nine counties, and we remain focused on our mission to serve
First Freedom is not just another bank; they're your neighbors. When you need answers, you get answers from someone right here in Wilson County, who shares your hometown values. They are committed to a level of service that you just won't find anywhere else. Member FDIC and Equal Housing Lender.
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