FHA Vs. USDA loan program for Perth-Amboy, Middlesex County, New Jersey

In 2025, 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 .

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.

Get top 10
USDA LENDERS
customized to yout needes

(732) 410-4141 Lender's profile and map Reviews RED OAK MORTGAGE INC 54 Hudson Street, Suite 101, Freehold, NJ, 07728 Red Oak Mortgage has built a strong reputation as an outstanding mortgage lender, serving the lending needs of real estate professionals, builders and individual homeowners throughout the state of New Jersey, North Carolina, and South Carolina since 2005. Due to our high level of technology, streamlined process, speedy turn-times
(973) 725-7726 Lender's profile and map Reviews Patriot Mortgage LLC 77 W Main St., Freehold, NJ, 07728 Patriot Mortgage is committed to offering only the highest quality professional service to our mortgage clients, realtors and associates. We have built a reputation of offering honest, ethical and thorough service. We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals,
855-778-1000 Lender's profile and map Reviews Navesink River Capital 83 South Street, Suite 101, Freehold, NJ, 07728 Navesink River Capital, LLC has been a guiding force within the private lending market, with over a billion dollars funded and 1,500 plus properties financed. Their unsurpassed knowledge of the real estate climate and simplified, streamline loan process has allowed them to remain at the forefront, offering lightning loans from $75,000 to $2 million
(844) 457-8564 Lender's profile and map Reviews Morty Inc 180 Varick Street, Suite 816, New York, NY, 10014 Our mission is to empower homebuyers to confidently secure and finance their home purchase online. Morty is enabling a tech-first mortgage that offers homebuyers the efficient, self-service experience needed in today’s fast-moving housing market, all at a lower cost than the traditional offline mortgage experience.
(212) 274-9075 Lender's profile and map Reviews Andrew Davidson & Co 65 Bleecker Street, Fifth Floor, New York, NY, 10012 Andrew Davidson & Co, Inc. is the leading provider of risk analytics and consulting for the mortgage (MBS) and asset-backed securities (ABS) industry. We develop & license prepayment & credit models as well as risk measurement tools that are the benchmark analytics used by top mortgage & commercial banks, insurers, credit unions, broker-dealers.
(973) 744-8300 Lender's profile and map Reviews First Prestige Mortgage Services, Inc. 110 Valley Road, Montclair, NJ, 07042 We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance
(973) 275-9235 Lender's profile and map Reviews XCEL Federal Credit Union 1460 Broad Street, Bloomfield, NJ, 07003 XCEL Federal Credit Union is federally insured, regulated, and examined annually by both the federal government and an independent CPA firm. Each member’s deposits are insured to the $250, 000 maximum allowable limit by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. government.
(973) 842-2448 Lender's profile and map Reviews Reverse Mortgage Funding LLC 1455 Broad St. 2nd Floor, Bloomfield, NJ, 7003 At Reverse Mortgage Funding LLC (RMF), we are dedicated to helping older Americans live the retirement lifestyle that they imagined and deserve, in the comfort of their own home. Reverse mortgages are our only line of business, and meeting the needs of this important segment of our society is at the core of everything we do.
(732) 352-3749 Lender's profile and map Reviews First Credit Group, LLC 1280 Wall St. West, Suite 306, Lyndhurst, NJ, 07071 Our mission is to provide our clients with access to a variety of loans and financing options to help meet their business needs. Our financial products offer start-ups or existing businesses access to financing that can be used for a wide-range of purposes, including working capital, expansion, purchase of inventory, supplies, machinery, equip
(732) 648-1748 Lender's profile and map Reviews Montgomery Mortgage 2230 Route 206, Belle Mead, NJ, 08502 "Montgomery Mortgage has an estimated 99% customer satisfaction rate. After nearly 15 years of service, we do not have a single complaint with the New Jersey Department of Banking. We have the highest rating possible with the Better Business Bureau. Licensed as Mortgage Bankers, not just a Broker"
(212) 473-7310 Lender's profile and map Reviews Self Reliance New York FCU 108 Second Avenue, New York, NY, 10003 Self Reliance New York Federal Credit Union was established in 1951 by a group of volunteers dedicated to the cooperative philosophy of "people helping people". Under the sponsorship of the New York Branch of the Selfreliance Association of American Ukrainians, we are currently the oldest and largest Ukrainian Credit Union.
(212) 995-3171 Lender's profile and map Reviews NYU Federal Credit Union 726 Broadway, Suite 110, New York, NY, 10003 Established in 1982. Faculty, staff, students, alumni, retiree and their family members are all eligible to join. All that’s required to establish membership is $50 in a Share Savings account. As a member, you share in NYU FCU's earnings. As the NYU credit union makes money, it reinvests it to improve products and services for our members.