USDA and FHA Pro and Con in Perth-Amboy, Middlesex County, NJ

In 2026, the USDA loan limit for Perth-Amboy, located in Middlesex county, NJ, is specified as $657,900, whereas the FHA loan cap for a single-family home stands at $822,375.

Make use of the Lendersa® USDA loan calculator to compare the most competitive USDA and FHA rates today, assessing the income, credit requirements, reserves, and necessary documents for qualification. Our enhanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you determine the best program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Perth-Amboy, Middlesex, NJ

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Choices in Perth-Amboy, NJ

The ambition of Lendersa® is to swiftly connect you to the ideal USDA or FHA loan without hassle. Select from three starting avenues that link you with lenders and available USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

The USDA home loan, guaranteed by the U.S. Department of Agriculture, also called the USDA rural development loan or USDA mortgage, is intended for rural areas. It does not require a down payment, in contrast to FHA loans, which need a minimum of 3.5% down.

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



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