USDA Vs. FHA Pro and Con comparison in Egg-Harbor-City, Atlantic County, NJ

In 2025, USDA loan limit in Egg-Harbor-City, county of Atlantic, NJ is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Egg-Harbor-City, county of Atlantic, NJ

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Egg-Harbor-City, NJ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Jersey?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Paradise Valley Federal Credit Union
  • 2700 E 4th Street, National City, CA, 91950
  • Paradise Valley Federal Credit Union serves the Seventh Day Adventist church membership and affiliated companies in the San Diego area. With over 80 million dollars in assets, Paradise Valley Federal Credit Union is a not-for-profit financial institution that is owned and operated by members.
  • GHI Mortgage
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  • GHI Mortgage was founded in 2003, which was an expansive time in lending. While other companies were riding the housing bubble and engaging in risky lending practices, the team at GHI Mortgage took the responsible route by working with our customers to ensure they received a safe lending product that worked best for them, both now.
  • California Housing Administration
  • 1625 Sweetwater Road, Suite D, National City, CA, 91950
  • California Housing Administration, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage.
  • Springboard Home Loans
  • 2140 Hoover Avenue, Suite 115, National City, CA, 91950
  • Springboard Home Loans was started in 1982 out of a garage in the City Heights neighborhood of San Diego. Originally named San Diego Neighborhood Housing Services, we began by providing rehab loans to homeowners to revitalize the neighborhood. From there, our not-for-profit mortgage lending activities grew both in the products offered.
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  • 3930 Oregon St, Suite 200, San Diego, CA, 92104
  • Our primary goal is to provide excellent service to our customers.We promptly return phone calls & respond to emails & letters.Throughout the lending process, we provide regular loan updates & progress reports so you always know the status of your loan application.We pride ourselves in delivering the most competitive mortgage rates & product.
  • pacific residential mortgage corp
  • 522 N Cleveland St, Oceanside, CA, 92054
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Pacific Coast Home Mortgage & Real Estate Inc
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  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
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