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

In 2025, USDA loan limit in Perth-Amboy, county of Middlesex, NJ is $657,900 while FHA limit is $822,375 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.

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2025 loan limits and downpayment requirments in Perth-Amboy, county of 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 options in Perth-Amboy, 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?



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  • 7412 cypress lane, Carmel, CA, 93923
  • HCS Equity provides private real estate loans to trusts and estates throughout California. For more than 15 years we have used our own capital to provide heirs, probate/estate attorneys, guardians and conservators specialized financing. We are focused on being a financial resource for estates that are experiencing liquidity shortages.
  • HCS Equity
  • 7412 Cypress Lane, Carmel, CA, 93923
  • HCS Equity provides private real estate loans to trusts and estates throughout California. For more than 15 years we have used our own capital to provide heirs, probate/estate attorneys, guardians and conservators specialized financing. We are focused on being a financial resource for estates that are experiencing liquidity shortages.
  • Ellison Lending
  • 635 Central Avenue, San Francisco, CA, 94117
  • Ellison Lending has over 20 years of experience serving the Bay Area and all over California with lending solutions that meet your specific situation. Our goal is to make your real estate transaction happen as efficiently as possible. We want to make lending a positive experience and build a lasting relationship.
  • Reena Loans & Real Estate Corporation
  • 652 16th Avenue, San Francisco, CA, 94118
  • Over 25+years of experience in residential real estate sales, 15 years of experience in commercial real estate sales. 12+years of experience with mortgages and commercial loans. Twelve years of experience managing Reena Paleja's own firm. WE PROVIDE PROFESSIONAL SERVICES- Real Estate, Property Management, COMMERCIAL LOANS and MORTGAGE.
  • Cournale & Co.
  • 4630 Geary Blvd., San Francisco, CA, 94118
  • Established in 1945, Cournale & Co. is a third-generation owned and operated "Full Service"​ real estate company located in the Richmond District of San Francisco. We assist clients in the marketing and purchasing of residential and commercial properties. We also manage over 600 units - from the Marina to the Mission.
  • Reverse Mortgages Only
  • 40 Birch Street, Suite C, Redwood City, CA, 94062
  • REVERSE MORTGAGES ONLY was formed in 2004 to focus exclusively on Reverse Mortgage products. We realized that the needs of the growing population of retired people were not being met by traditional mortgage products. We are dedicated to help you live the life you choose. Judy Schwartz is the principal at Reverse Mortgages Only.
  • Slatt Capital
  • 819 Mitten Road, Burlingame, CA, 94010
  • Slatt Capital is a privately held commercial mortgage banking firm with a reputation founded on relationship, integrity, and service excellence. With a track record of success spanning more than five decades, we are attuned listeners that expertly match borrower need with the right capital solution.
  • Capital Realty Group
  • 1200 Howard Ave, Burlingame, CA, 94010
  • Capital Realty Group is a local firm which has specialized in and grown with many distinguished communities in the area. Since 1987, we have enjoyed powerful community recognition built upon our trademark of personalized service to the many families moving in and out of the San Mateo County, Silicon Valley and the San Francisco Peninsula.
  • Action Residential Mortgage
  • 1466 Bellevue Avenue, Suite 27, Burlingame, CA, 94010
  • Action Residential Mortgage + Property Management is a small, family-owned, mortgage broker and property management business. Sandy and Rich take pride in earning their clients’ trust by understanding their unique financial needs and goals. They live and work with integrity, and prove the value of their services with the savings in your pocket.
  • NBT Realty Services, Inc.
  • 2546 Butternut Drive, Hillsborough, CA, 94010
  • 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.
  • Nu Level Equity
  • 1310 Bayshore Highway, Suite 22, Burlingame, CA, 94010
  • We are a team of real estate experts who understand that our job is to help you with decisions that are serious and could affect you and your family's lives, forever. It’s not just about what you do today. We believe in looking towards the future with our clients. That's why we go above and beyond for every single person.
  • Karis Finance
  • 1534 Plaza Lane, Burlingame, CA, 94010
  • Karis Finance provides premier tailor-made solutions to meet each of our client's financing needs. We are proud to offer our clients a wide range of services and expertise including: Aggressive rates that are competitive with online mortgage companies, combined with local personalized customer service.