USDA and FHA Pro and Con in Lower, Cape May County, NJ
During 2025, the USDA loan upper limit in Lower, within Cape May county, NJ, is $391,900, whereas the FHA cap for a single-family house is $548,550.
Utilize the Lendersa® USDA loan calculator for a comparison of today's USDA against FHA's top rates, and find out the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a direct comparison of USDA, FHA, Conforming, and VA loans side by side. This will help you decide the most suitable program for your financial scenario, especially in places like .
Understanding 2025 Loan Limits and Down Payment Needs in Lower, Cape May county, NJ
Loan Type
Loan Limit
Down Payment
USDA
$391,900
0%
FHA
$548,550
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Lower, NJ
The objective of Lendersa® is to offer you the best USDA or FHA loan options quickly and without complications. You can start with one of three options that lead to connecting with lenders and exploring USDA loan opportunities.
A USDA home loan is backed by the Department of Agriculture, also known as USDA rural development loan or USDA mortgage. These are designed for rural communities. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require zero down payment, presenting a significant opportunity for eligible rural residents.
Artisan Mortgage was formed in 2005 as a full service mortgage company with headquarters in Bay Shore, NY and branch office in Hershey, PA to serve the needs of new and existing homeowners through individualized service, a variety of lending programs, and a simplified, efficient loan closing process.
Self Reliance New York Federal Credit Union was established in 1951 by a group of volunteers dedicated to the cooperative philosophy of "people helping people". Under the sponsorship of the New York Branch of the Selfreliance Association of American Ukrainians, we are currently the oldest and largest Ukrainian Credit Union.
Established in 1982. Faculty, staff, students, alumni, retiree and their family members are all eligible to join. All that’s required to establish membership is $50 in a Share Savings account. As a member, you share in NYU FCU's earnings. As the NYU credit union makes money, it reinvests it to improve products and services for our members.
At MGN Funding Corp, 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
124 South Ridgedale Avenue, East Hanover, NJ, 07936
Novartis Federal Credit Union is a full service financial institution located in East Hanover NJ. Novartis FCU was chartered in 1947 and services the financial needs of the employees of companies within Novartis AG and their families. For more information, to join or apply for a loan, visit www.NovartisFCU.org
Rock East Lending is a veteran hard money lender for experienced real estate investors. We know that for investors, having access to money quickly makes all the difference. Because we are direct lenders, not brokers, we are able to make decisions and get to the closing table quickly.
The bank was originally founded in Hoboken, New Jersey in 1938 as the Haven Building & Loan Association. As the country and the state continued to emerge from the grips of the Great Depression, there became an increasing need for local, community-minded financial institutions to serve the needs of their neighboring communities.
When we started NorthStar Funding, there were many other companies out there. We didn’t want to be just another company, so the question was, “How to make NorthStar Funding better than the others.” The answer was to be customer driven and to provide exceptional customer service. We understand what a stressful time this can be.
GreenBridge Loans provides capital to business owners, startups, and real estate investors by using residential and commercial real estate as collateral. Unlike many business funders, GreenBridge provides a streamlined funding process with minimal requirements. We currently offer three types of Secured Business Loans geared to accommodate
