USDA Vs. FHA Pro and Con comparison in Millville, Cumberland County, NJ

In 2025, USDA loan limit in Millville, county of Cumberland, NJ is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Millville, county of Cumberland, NJ

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Millville, NJ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Jersey?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • GreenStreet Mortgage, LLC.
  • 4001 South 700 East, Suite 500, Millcreek, UT, 84107
  • GreenStreet Mortgage is founded on the principal of creating outstanding customer experience. We know the mortgage process can be daunting for many. With friendly and experienced loan professionals we create an experience catering to each individual, making the process fast, easy and smooth
  • Vintage Lending
  • 777 E 4500 S, Suite 220, Salt Lake City, UT, 84107
  • Vintage Lending providing clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home.
  • Avanti Mortgage, LLC
  • 6040 S Fashion Blvd, Suite 101, Murray Utah, UT, 84107
  • The Avanti Mortgage team has served the needs of borrowers for over two decades. Collaboratively we have over 100 years of mortgage experience. As a mortgage broker, Avanti offers many advantages over other lenders. We do not have the huge overhead that large mortgage bankers have, so we can give our borrowers the most competitive rates possible.
  • RoBUS Finance LLC
  • 5295 S Commerce Dr, Suite 205, Salt Lake City, UT, 84107
  • RoBUS Mortgage is a direct lender and a broker currently licensed in 10 states with more on the way. We are averaging close to 12 days from application to clear to close on conventional loans in most states. We don't have much overhead and pass that on to our clients in the form low pricing.
  • Utah Mortgage Loan Corp
  • 488 East 6400 South, Suite 300, Salt Lake City, UT, 84107
  • Utah Mortgage Loan Corporation is the oldest non-bank mortgage lender in the state of Utah, offering the full array of mortgage products available in the marketplace today. We are locally owned and operated by local Utah residents who are seasoned professionals, driven by their desire to help Utah homeowners.
  • Christian Roberts Mortgage
  • 512 E Winchester, Murray, UT, 84107
  • Our mission is to set a high standard in the mortgage industry.We are committed to quality customer service - putting the people we serve first.Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • First Capital Commercial
  • 472 West 50 North, American Fork, UT, 84003
  • First Capital Commercial is a commercial real estate lender that is invested in your success. Since 2002, our exceptional loan options have empowered both local companies and robust franchises. First Capital Commercial is here to assist you when your company needs that extra financial boost to achieve your dreams and goals. First Capital is happy t
  • Velocity Home Loans
  • 321 North County Blvd, Suite B, American Fork, UT, 84003
  • Each of the individuals on our team has over 20 years’ experience in the mortgage industry. The Velocity Home Loans team is proud to lead the marketplace with our commitment to the highest standards of excellence, going above and beyond to fulfill the promises we make to our clients and partners