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.

Review loan offers from a selection of 100 lenders

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.

  1. Submit the ultimate USDA/FHA loan request
  2. Explore USDA and FHA rates & terms initially
  3. Browse the largest database of USDA loan lenders
Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in NJ

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.

loan-calculator-comparison

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




  • Frontier Bank
  • 8380 Glynoaks Dr, Lincoln, NE, 68516
  • Frontier Bank was founded when a group of partners and friends, devoted to the ideals of community banking, purchased an interest in a small bank in south central Nebraska. In 2005, other acquisitions in the banking and insurance industries began to follow, bolstering our philosophy of community involvement, local service.

  • West Gate Bank
  • 6003 Old Cheney Rd, Lincoln, NE, 68516
  • Family-owned since we were established in 1968, West Gate Bank is a true community bank. This community focus is not only evident in all that we do, but in how we do it. As a full-service banking institution, we are large enough to serve all your personal or commercial banking needs.

  • First State Bank Nebraska
  • 4915 Old Cheney Rd, Lincoln, NE, 68516
  • First State is a community based organization that offers banking services, insurance and financial products. First State Bank Nebraska currently has 16 locations in the communities of Lincoln, Hickman, Yutan, Wilber, Hallam, Dorchester, Cortland, Firth, Filley, DeWitt, Pickrell, Western, Beatrice, Waverly, Nehawka and an insurance agency.

  • US Home Mortgage Inc
  • 5901 S 58th St A, Lincoln, NE, 68516
  • U.S. Home Mortgage was founded in May 2006. We are a locally owned & operated business. We offer all types of home loan financing including Purchase, Refinance, New Construction, Conventional, FHA, VA, NIFA, Home Equity, Bridge, Investment Property, & Interim financing. We established this company because we wanted the ability to offer the best

  • MembersOwn Credit Union
  • 1391 South 33rd Street, Lincoln, NE, 68510
  • MembersOwn Credit Union offers primary banking services with a “People helping People” philosophy. Being locally owned by individuals living in 10 southeast Nebraska counties makes them committed to their members, first and foremost. As a trusted financial partner, owners find the personal attention, care

  • LPS Employees Federal Credit Union
  • 5621 N Street, Lincoln, NE, 68510
  • The mission of the LPS Employees Federal Credit Union is to support its members by helping them achieve their current and future goals by providing member-driven services and financial education. We take pride in meeting our members’ needs with honesty, compassion, and integrity.

  • Cornhusker Bank
  • 8310 O Street, Lincoln, NE, 68510
  • Cornhusker Bank occupies a unique position in the Lincoln Nebraska area. In this day of mergers and acquisitions, the bank retains its hometown touch and all the personal services of a true "community bank." Individuals and business customers have access to all the products and services offered by larger national banks.

  • Capital City Mortgage, Inc.
  • 237 S 70th St, Suite 105, Lincoln, NE, 68510
  • Capital City Mortgage, Inc opened its doors in October 2003. We are celebrating our 10th Anniversary. We have been in the same location for 10 years, we did expand the office size in 2007. Have been very fortunate to have the same processor for 10 years. Our goal is to have the best rates and superior service.

  • Spirit of America Federal Credit Union
  • 325 N 52nd St, Lincoln, NE, 68504
  • Spirit of America Federal Credit Union was formed to serve federal employees and military personnel financially in Lincoln, NE. Starting from humble beginnings in 1932, we were chartered as a cooperative to help federal employees and their families by granting loans to meet extreme personal needs.

  • BELL FINANCE & DIAMOND FINANCE
  • 623 N Broadway, Suite B, Moore, OK, 74401
  • About Bell Finance/ Diamond Finance Signature Loans in Oklahoma Signature Loans are personal loans that rely on your signature to repay. This is a financial product that many people use all the time. With this type of loan, borrowers do not have to pledge collateral, such as their homes, businesses or automobiles
Find more lenders

Bridge Loan Guides

TYPES OF LOANS WE HANDLE:

CITIES CLOSE BY:

"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."

NMLS 1795154

Copyright © 2025 | Lendersa, Inc. | All Rights Reserved | HQ: 22527 CRENSHAW BLVD ST E 201, TORRANCE, CA. 90505, USA | Hard Money Loans In Los Angeles, CA