For 2026, the USDA maximum loan in Merchantville, Camden county, NJ is $381,800. Meanwhile, the FHA cap for a single-family home stands at $529,000.
Try the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates. This tool helps identify the income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator lets you contrast USDA, FHA, Conforming, and VA loans simultaneously, aiding in selecting the most suitable program for your financial context in .
2026 loan ceilings and down-payment specifics for Merchantville, Camden county, NJ
Loan Type
Loan Limit
Initial Payment
USDA
$381,800
0%
FHA
$529,000
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA loan choices in Merchantville, NJ
Lendersa® is committed to swiftly providing you with the optimal USDA or FHA loan minus any difficulty. Choose one of three starting methods to align with lenders and explore USDA loan alternatives.
The USDA home loan is a government-backed loan from the Department of Agriculture, also called a USDA rural development loan or mortgage. It's exclusive to rural communities. In contrast to FHA loans that require a minimum 3.5% down payment, no deposit is needed for USDA mortgage loans.
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