USDA Vs. FHA your options comparison in Ocean-City, Cape May County, NJ
In the year 2025, the USDA loan ceiling in Ocean-City within Cape May, NJ, stands at $345,000, whereas the FHA cap is $431,250 for a single-family residence.
To evaluate today's competitive rates between USDA and FHA loans, utilize the Lendersa® USDA loan calculator. It helps ascertain the income, credit, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator allows comparison across USDA, FHA, Conforming, and VA options, aiding your decision on the most suitable program in for your specific financial status.
Loan limits and down payment requirements in Ocean-City, Cape May, NJ for 2025
Type of Loan
Limit on Loan
Down Payment
USDA
$345,000
0%
FHA
$431,250
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA loan choices in Ocean-City, NJ
Lendersa® strives to secure the finest USDA or FHA loans swiftly and without complications. Begin from one of three possible routes that align with both lenders and USDA loan schemes.
A USDA home loan, endorsed by the Department of Agriculture (USDA), also known as a rural development loan or USDA mortgage, is applicable exclusively in rural areas. FHA loans necessitate at least a 3.5% down payment, while USDA loans demand none.
PSG Capital Partners Inc. we have over 30 years of real estate analysis, residential and commercial financing (retail and wholesale), underwriting and Trust Deed investing, we have the experience in California and Specialize in the local Orange County market that you can trust. PSG Capital Partners Inc.
Carlyle Capital is an asset-based private lender and asset management company in the business of deploying capital against real estate,typically as short-term bridge loans to acquire, refinance,re-purpose, or develop real estate holdings.Carlyle Capital’s extensive strategic partners provide the ability to competitively fund deals of any magnitude.
LNDR can offer help to these entrepreneurial homeowners with our short-term Private Money Financing which offers quick cash for business purposes secured with residential real estate and also provides equity-based private money & alternative documentation loans for residential properties throughout California and Colorado
Parse Mortgage is a California only Southern California Lender property.up to 60% LTV of After Renovation ValueRates as low as 9.95%Must have mimimum 5 flips successfully sold within last 24 monthsBorrower must have liquid funds in excess of amount required to renovate property Maximum Loan Amount.
16441 Scientific Way, Suite #250, Irvine, CA, 92618
PSG Capital Partners Inc. we have over 30 years of real estate analysis, residential and commercial financing (retail and wholesale), underwriting and Trust Deed investing, we have the experience in California and Specialize in the local Orange County market that you can trust. PSG Capital Partners Inc. has a large portfolio lender base we have the
Our mission at Hood River Mortgage Group is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them competitive low interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
RMWest’s focus is serving senior clients’ retirement and life-stage needs through the Reverse Mortgage product. Our team of select, seasoned Reverse Mortgage Loan Officers is committed to serving seniors. Our veteran Reverse Mortgage Loan Officers are senior specialists well-versed in considering the the total financial/life stage needs
Our mission is to provide you with high quality mortgage programs that are customized to fit your unique situation. We work & do business in an upfront and fully transparent way. We disclose the fees to the clients in advance and in writing & disclose the rate sheets from various lenders, listing the rates & points passed through from the lenders.
Our 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 lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
4790 Irvine Blvd, Suite 105-594, Irvine, CA, 92620
Since 1991 Siavosh "SAM" Ardalan (Broker/Owner) has always served the community with integrity and professionalism. His clients are lifelong. He is an expert negotiator and problem solver. Many transactions have been saved with his creative solutions that made all parties extremely happy.
Oak Creek Funding, Inc. prides itself on delivering a customer experience that completely separates us from every other mortgage company in CA when it comes to obtaining a home loan. Here at Oak Creek Funding we are fully dedicated to making the mortgage process as pleasant as possible for all of our customers
Purchasing a new home or refinancing? We have a solution. Our team is dedicated to helping our clients become successful homeowners while supporting their financial well-being. With nearly 20 years in Real Estate and Mortgage experience, First American Financial Group is a one stop shop for all of your Real Estate needs.
