USDA and FHA Pro and Con in Elk, Gloucester County, NJ

In the year 2025, the USDA loan ceiling for Elk within Gloucester county, NJ, is $381,800, whereas the FHA cap is at $529,000 for single-family homes.

Take advantage of Lendersa® USDA loan calculator to contrast today's USDA and FHA top rates, determining the required income, credit, reserves, and documents for qualification. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting in identifying the most suitable program in for your financial condition.

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2025 Loan Limits and Down Payment Requirements in Elk, Gloucester, NJ

Type of Loan Limit Down Payment
USDA $381,800 0%
FHA $529,000 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Elk, NJ

The aim of Lendersa® is to swiftly find you the best USDA or FHA loan, without any hassle. Choose one of three starting paths that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

The USDA home loan, endorsed by the Department of Agriculture, also called the USDA rural development loan or mortgage, is specifically available in rural regions. While FHA loans typically require a 3.5% down payment, USDA loans necessitate no down payment.

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



  • Indigo Realty Corporation
  • 1551 McCarthy Blvd, Suite 203, Milpitas, CA, 95035
  • We specialize in providing all kind of commercial loans to owners, investors & developers in need of funding outside the scope of traditional banks and lenders. While traditional lenders could take months to close, we can complete the process in days. We provides commercial financing solutions with an outstanding history of service and dedication.
  • Platinum Realty Group And Finance, Inc.
  • 500 East Calaveras Boulevard, Suite 200, Milpitas, CA, 95035
  • Platinum Realty Group And Finance, Inc that is to give you the best service possible! We specialize in the Silicon Valley. We also work with real estate in the areas of Gilroy, Hollister, Santa Clara, and Milpitas. If you are someone who is looking to sell your home, we want to make sure that your home is given all of the attention.
  • Result Financial Corp
  • 1551 McCarthy Blvd, Suite 211, Milpitas, CA, 95035
  • "Result Financial Corp, dba California Deed of Trust Investment, we have been in real estate and mortgage business for more than 15 years in San Francisco Bay Area. We provide unique buy & sell strategy for our clients. Real Estate & mortgage business around bay area about 15 years.
  • Esposo Properties and Financial Services
  • 500 East Calaveras Boulevard, Suite 210, Milpitas, CA, 95035
  • Esposo Properties is a small boutique real estate company. We specialize in small to mid-size investment properties, other than your typical residential sale/listing. We take pride in giving personalized, top of the line service to our clients and investors we will help you sell your home.
  • United Capital Investment
  • 1525 McCarthy Boulevard, Suite 1070, Milpitas, CA, 95035
  • We are committed to helping you find the right mortgage product for your needs. Understanding that every borrower is different, we offer a variety of products to meet your individual requirements. We help make the process of securing a mortgage simple & straightforward by offering you financial tools that enable you to make sound financial choices.
  • GD Commercial Real Estate Inc.
  • 1381 McCarthy Boulevard, Milpitas, CA, 95035
  • GD Commercial is a full-service, partner-owned commercial real estate firm, comprised of licensed brokers, financial analysts, research professionals, and marketing specialists. With services such as office, industrial, and retail leasing; tenant representation services; acquisition and disposition, etc.,
  • New Direction Lending
  • 200 Serra Way, Suite 44, Milpitas, CA, 95035
  • "New Direction Lending, offers our clients the highest level of customer service combined with the widest variety of competitive mortgage loan programs for your purchase or refinance needs. We make finding the perfect loan a reality. New Direction Lending specializes in helping people find the perfect loan for their needs.
  • InterFirst Lending Corporation
  • 1525 McCarthy Boulevard, Suite 1140, Milpitas, CA, 95035
  • InterFirst Lending is a next-generation mortgage company that originates residential mortgage loans at a low cost with extremely competitive mortgage rates. We provide the consumer with one of the best mortgage rates in the industry along with transparent, intuitive and efficient online loan process.
  • LoanPros Inc
  • 1355 Jacklin Road, Milpitas, CA, 95035
  • LoanPros, opened in 1992 with Diana Skokan and myself. Diana retired in 2000. The business has been operated by Tina Broyles. We have built a 90% referral base over the years. The resourceful and skilled team at Loan Pros Inc is eager to help you reach your dreams. If you need an experienced Milpitas, CA Mortgage team focused on precision
  • Verso Real Estate Services Inc
  • 545 Los Coches Street, Suite 108, Milpitas, CA, 95035
  • I am dedicated to providing excellent customer service. My philosophy is simple: clients come first. I pledge to be in constant communication with my clients, keeping them fully informed throughout the entire buying or selling process. I also believe in keeping in contact with past clients
  • East Bay Financial Group
  • 11501 Dublin Boulevard, Suite 200, Dublin, CA, 94586
  • East Bay Financial Group was founded when we recognized that the need to provide the home-owners with a competitive low interest rate and excellent services. We only hire mortgage loan agents with significant experiences and energy to make sure our clients best interest rate and services.
  • Mortgage Solutions, Inc
  • 1775 Lincoln Avenue, Napa, CA, 94558
  • At Mortgage Solutions, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.