USDA Vs. FHA Pro and Con comparison in Middle, Cape May County, NJ

For 2025 in Middle, Cape May, NJ, the USDA loan limit stands at $391,900, whereas the FHA limit for a single-family home is $548,550.

Our Lendersa® USDA loan calculator allows you to compare the best rates from USDA vs. FHA to see what's needed in terms of income, credit, reserves, and documentation to qualify. This advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA options side by side, helping you select the best program for your financial requirements in .

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2025 Loan Limits and Downpayment Requirements in Middle, Cape May, NJ

Loan Type Loan Limit Downpayment
USDA $391,900 0%
FHA $548,550 3.5%
Conventional Conforming $726,200 3%

Loan Opportunities with USDA and FHA in Middle, NJ

Lendersa® aims to efficiently help you find the best USDA or FHA loan without unnecessary stress. Start with one of three methods to match you with lenders and USDA loan offerings.

Results of Lendersa USDA Loan Request

Understanding USDA Loans in NJ

The USDA home loan is a government-backed mortgage, also known as a USDA rural development loan, targeted at rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages require no down payment at all.

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



  • Jennings Realty Agency Corp
  • 214 Mamaroneck Avenue, White Plains, NY, 10601
  • Jennings Financial Advisory Corp provides in house services for mortgages / finances, real estate and insurance.This breadth of coverage, combined with specialist services, means we'll always have an expert who is relevant to you.Our business is built on trust and integrity and that is what gives our clients, colleagues and partners.
  • Direct Lending Group
  • 34 South Broadway, White Plains, NY, 10601
  • Loan Fundr is a private Nationwide commercial lender headquartered in New York, offering many financing options, including: bridge financing, hard money loans, private lending, commercial real estate financing, structured joint venture financing, permanent financing, mezzanine financing, construction loans and acquisition financing
  • 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
  • FountainFunding
  • 13 Neil rd, Spring Valley, NY, 10977
  • BH As a Hard Money Loan Lender, I have built a portfolio of 50+ personal private lenders and loan companies, making us a trusted resource in the industry. With almost a decade of experience, our company has successfully facilitated a wide range of loans, catering to various needs and situations. Because we are not bonded to one specific compa
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  • 170 East Central Avenue, Spring Valley, NY, 10977
  • Rockland Employees Federal Credit Union is committed to providing the best possible financial services, value and financial education to its diverse membership. Rockland Employees Federal Credit Union (REFCU) is a not-for-profit financial institution, founded in 1962 by people just like you who believe in the values of the community.
  • Money Depot LTD
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  • American Community Bank Glen Cove
  • 100 Commack Rd, Commack, NY, 11725
  • We started American Community Bank because we wanted to offer a refreshing alternative to our larger competitors who seemed to have little or no vested interest in their customers or the communities they served. We’re committed to being highly customer-focused and community-oriented – commitments that have defined us from the beginning.
  • Starr Mortgage Company Inc
  • 15 North Mill Street, Suite 215, Nyack, NY, 10960
  • Starr Mortgage Company, Inc. has quickly become a benchmark in the mortgage industry. Our headquarters is located in Nyack, NY in the historic Hudson Valley Region of New York, however our area of influence and expertise ranges all the way from Rockland and Westchester Counties, throughout all 5 boroughs of New York City.
  • Emigrant Mortgage Co Inc
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  • The Everest Equity Company, Inc.
  • 2 Executive Blvd Ste 201, Suffern, NY, 10901
  • The Everest Equity Company, Inc. is a corporation, founded in 2004, with an experienced,highly skille, & professional staff of Mortgage Brokers, along with an extensive support team, who specialize in meeting our clients’ unique mortgage needs.Our goal at the Everest Equity Company is to provide you with the smoothest and most comfortable mortgage.
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  • 22 Harbor Circle, Centerport, NY, 11721
  • At POM (Peace Of Mind) Capital & Funding Services, we generously offer commercial finance solutions to all types of businesses. It doesn’t matter to us if you’ve already been turned down by another lender. We have reasonable qualification criteria that make it easy for most small businesses to qualify. We also have many different financial products