USDA VS FHA in Mantua, Gloucester County, NJ

For 2025, the USDA loan limit in Mantua, located in Gloucester, NJ, is {DETAILS_LOAN_LIMIT_USDA_1_1}, while the FHA limit for a single-family home is $529,000.

Utilize the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA loans and determine the income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to help decide which program in aligns best with your financial situation.

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Loan Limits and Down Payment Requirements for 2025 in Mantua, Gloucester, 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 Options in Mantua, NJ

Lendersa® is dedicated to securing you the best USDA or FHA loan quickly and without hassle. Start with one of three options that connect you to matching lenders and USDA loan programs.

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Understanding USDA Loans in NJ

The USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, is available solely in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment.

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



  • DMN Mortgage Corp
  • 155 East Main Street, Suite 240, Smithtown, NY, 11787
  • WE started DMN Mortgage Corp. in 2006. This is a family run company that prides ourselves on helping making the mortgage process EASY! We are with you every step of the way. We work hand in hand with the best Lenders, attorneys and title companies in the business! Brett Brucaleri owner/broker at DMN Mortgage Corp.
  • Nations Financial of New York Inc
  • 738 Smithtown By Pass, Suite 101, Smithtown, NY, 11787
  • Since 1994, we have provided home mortgages for Long Island and the entire State of New York. Our corporate office is located in Smithtown, NY where we have been serving Suffolk, Nassau, Queens and Kings County communities for over 20 years. We offer a variety of mortgages to meet your home financing needs.
  • All Island Mortgage & Funding Corporation
  • 496 Smithtown By-Pass, Suite 308, Smithtown, NY, 11787
  • All Island Mortgage & Funding Corporation. A family owned and operated mortgage business. FHA approved. Established in 1989, serving all of New York, Florida, Connecticut, New Jersey, Pennsylvania, Montana, Washington State, Alaska, California, Texas. A leader in Reverse mortgage financing.
  • Ownit LLC
  • 180 East Main Street, Suite 206, Smithtown, NY, 11787
  • Ownit's mission is to serve the needs of borrowers throughout New York State by providing great rates and excellent service. As a full service brokerage offering expertise in every area of mortgage lending from purchase to refinance to commercial lending. We have access to a full range of mortgage sources and are dedicated to finding the right loan
  • BEST RATE CAPITAL INC
  • 975 W. Jericho Turnpike, Suite 3, Smithtown, NY, 11787
  • BRC is a family owned Long Island based mortgage company operated by Nathan Baram. With experience of over 18 years in the mortgage and real estate industry, you can be assured that you are in good hands. Competitive Mortgage products combined with a smooth and efficient process is what puts BRC above the rest. Established in 2006.
  • National Business Capital
  • 1 Corporate Drive, Suite 202, Bohemia, NY, 11716
  • National Business Capital is the leading FinTech marketplace offering small business loans and services. We've secured over $1 billion in financing for small business owners to date. Our expert Business Financing Advisors work within our 75+ Lender Marketplace in real time to give you easy access to the best low-interest SBA loans.
  • SouthFork Funding
  • 2000 Arctic Avenue, Bohemia, NY, 11716
  • SouthFork Funding offer a variety of loans for both homeowners and future homeowners. With over 3 billion in loans originated, customer satisfaction is our top priority. Together, we work hard to be leaders in the industry, to stand out from the competition, securing loans when others cannot. Southfork Funding can close loans in 30 days or less
  • Cedar Point Federal Credit Union
  • 22745 Maple Road, Lexington Park, MD, 20653
  • Cedar Point Federal Credit Union (CPFCU) is organized to serve people who live, work, worship, go to school and do business in St. Mary’s, Calvert, and Charles counties. As a community-based financial institution owned and operated by our members, our purpose is to provide financial advice.
  • The Mortgage Outlet New York
  • 280 West Main Street, Sayville, NY, 11782
  • The Mortgage Outlet has originated over $500 million in mortgage loans. We are family owned and operated and have been at the same location, in Sayville. Our philosophy is plain and simple; a satisfied client is our best form of advertising. We provide competitive mortgage products combined with superior customer service