USDA Vs. FHA your options comparison in Gloucester, Camden County, NJ

For this year, 2026, the USDA loan limit for Gloucester, located in the county of Camden, NJ, is set at $381,800, while the FHA loan limit for a single-family home reaches $529,000.

Utilize the Lendersa® USDA loan calculator to assess and compare today's USDA and FHA most competitive rates. Additionally, determine the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA side by side, assisting you in choosing the best program for your financial needs in .

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Loan Limits and Downpayment Requirements for 2026 in Gloucester, Camden County, NJ

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

Exploring USDA and FHA Loan Choices in Gloucester, NJ

Lendersa® is committed to securing you the best USDA or FHA loan quickly and easily. Start with one of the three initial approaches to find matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan is a government-backed mortgage offered by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. These loans are available only for rural areas and do not require any down payment, unlike FHA loans that require at least a 3.5% down payment.

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



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