USDA Vs. FHA Pro and Con comparison in Merchantville, Camden County, NJ
For 2025, 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 .
2025 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.
FirstBank & Trust is not your ordinary community bank! We are a growing, dynamic local bank that is strengthened by HTLF, a multi-billion-dollar financial services company that has been named a Forbes Best Bank.
We offer our employees unlimited opportunities for career development.
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At Security Mortgage, a professional mortgage company specializing in residential mortgages. At Security Mortgage, we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled & trained loan consultants. Our consultants know what it takes to get through underwriting quickly.
PrimeWest Mortgage, decision making is kept to a local level and mortgage professionals are unwaveringly committed to deeply understanding every intricacy of every customer’s home buying experience. Because when that happens, a mortgage provider, even one with the backing of a company with national outreach, doesn’t just feel like a partner
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