USDA Vs. FHA Pro and Con comparison in Egg-Harbor, Atlantic County, NJ
For 2025, within Egg-Harbor, located in Atlantic, NJ, the USDA loan cap is $285,000, while the FHA limit for a single-family home is $356,362.
The Lendersa® USDA loan calculator allows you to compare the most favorable rates today between USDA and FHA loans. It helps determine income requirements, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, assisting you in selecting the optimal program in for your financial situation.
2025 Loan Limits and Downpayment Requirements in Egg-Harbor, Atlantic, NJ
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Egg-Harbor, NJ
The goal at Lendersa® is to quickly facilitate the best USDA or FHA loan without trouble. Begin with one of three starting points to match with lenders and align with USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans necessitate no down payment.
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