USDA and FHA Pro and Con in Oak-Valley, Gloucester County, NJ
In 2026, the USDA loan cap in Oak-Valley, within the county of Gloucester, NJ, is set at $345,000. Meanwhile, the FHA cap for a single-family residence is $431,250.
Use the Lendersa® USDA loan calculator to assess the best current rates between USDA and FHA options and determine the necessary income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side. This feature helps you decide which program in is ideally suited to your specific financial situation.
2026 Loan Limits and Downpayment Requirements in Oak-Valley, Gloucester County, NJ
Loan Type
Loan Limit
Down Payment
USDA
$345,000
0%
FHA
$431,250
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Oak-Valley, NJ
The goal of Lendersa® is to seamlessly provide you with the best USDA or FHA loans quickly and efficiently. Choose one of three starting pathways to connect with lenders and USDA loan programs.
The USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. While FHA loans require a minimum down payment of 3.5%, the USDA loans require no down payment at all.
Parke Bank is a full service commercial bank, with an emphasis on providing personal and business financial services to businesses and individuals primarily in Philadelphia and surrounding counties and Southern New Jersey. Parke Bank’s deposits are insured up to the maximum legal amount by the Federal Deposit Insurance Corporation (FDIC).
America One Mortgage, LLC’s mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the best service, competitive interest rates, and low closing costs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
The mission of the Peoples Transport Federal Credit Union is to provide high quality financial services to our members and pensioners in a safe and secure professional environment. When you join the Peoples Transport Federal Credit Union, you open a "Share" (Savings) Account and literally become part-owners of the credit union.
Thirteen individuals formed the Haddon Heights Building and Loan Association on February 4, 1905. It was a mutual association, formed to help individuals buy a home. The Association was formed with an initial investment of $69,000. The first president of the Bank was Fredrick Fries.
"America’s Preferred Mortgage Lenders has over 50 years of combined experience in all aspects of residential mortgage lending. We are a licensed mortgage banker in New Jersey, Pennsylvania, Delaware, Maryland, California, and Florida. Our independence as a mortgage banker means we can offer rates, terms, and flexibility other lenders can’t."
"TAM Lending Center, Inc., (TAM) has over 50 years of combined experience in all aspects of residential mortgage lending. TAM is a licensed mortgage banker in New Jersey, Pennsylvania, Delaware and Florida. Our independence as a mortgage banker means we have the ability to offer rates, terms and flexibility other lenders can't."
The Mission of the Fort Billings Federal Credit Union is to provide our members and surrounding communities with friendly, innovative banking services. We make the lives of our members better every day, through personal banking alternatives, enhanced financial services, lower fees, personal services, and innovation.
