USDA Vs. FHA Pro and Con comparison in South-Harrison, Gloucester County, NJ

In the current year of 2025, the USDA loan limit for South-Harrison, within Gloucester county, NJ, is $345,000, whereas the FHA limit for a single-family home stands at $431,250.

Utilize the Lendersa® USDA loan calculator to contrast today's top USDA versus FHA interest rates, identifying the necessary income, credit, reserves, and documentation required for qualification. Our state-of-the-art mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding your decision on the ideal program for your distinct financial condition in .

Evaluate loan offers from 100 different lenders

2025 Loan Limits and Down Payment Requirements in South-Harrison, Gloucester County, NJ

Type of Loan Limit of the Loan Down Payment Rate
USDA $345,000 0%
FHA $431,250 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Choices in South-Harrison, NJ

Lendersa® is committed to securing the best USDA or FHA loan for you swiftly and effortlessly. Begin by choosing one of three starting points, allowing you to match with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in NJ

The USDA home loan, endorsed by the Department of Agriculture, otherwise called the USDA rural development loan or USDA mortgage, is available only within rural communities. Contrary to FHA loans that require a minimum down payment of 3.5%, the USDA loan has no such down payment requirement.

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



  • Nationwide Fair Lending
  • 73255 El Paseo, Suite 12, Palm Desert, CA, 92260
  • Nationwide Fair Lending employs an experienced staff, whose sole function is to assure customer satisfaction throughout the entire loan process. Our staff’s commitment to this industry is supported by continued education and development in the latest products. We measure achievement not only in financial terms but also in human terms.
  • Solarity Credit Union
  • PO Box 2922, Yakima, WA, 98907
  • Solarity Credit Union’s digitally focused community-centric co-op currently serves more than 50, 000 members and offers a comprehensive range of products and services to meet ever-evolving financial needs. Membership is open to everyone who lives, works, worships, or attends school within a Washington State school district
  • Financial Horizons Credit Union
  • 895 E Street, Hawthorne, NV, 89415
  • We've been community leaders since 1947. Our original mission was to serve individuals affiliated with the Naval Ammunition Depot in Hawthorne. Since then, we've expanded to serve residents of several rural Nevada counties. We're proud of our growth. And proud that you trust us with your financial health.
  • PFC of Yakima
  • 732 Summitview Ave, Suite 639, Yakima, WA, 98902
  • PFC of Yakima is a local family-owned company specializing in asset and real estate secured lending. We have been originating, underwriting, and servicing loans in Central Washington since 1992. Michaela Stelzer is the Business Manager and handle accounting and administrative duties for the company.
  • CALCOE Federal Credit Union
  • 1209 N 16th Ave, Yakima, WA, 98902
  • CALCOE Federal Credit Union, we are committed to achieving the highest level of member service by offering financial products, services, and education designed to benefit our members while maintaining the safety, soundness and managed growth of our cooperative and also CALCOE has a rich history in helping members improve their quality of life.
  • Desert Valleys FCU
  • 100 E. Ward Ave, Ridgecrest, CA, 93555
  • Desert Valleys Federal Credit Union received its Charter # 5366 on July 11, 1946. The Credit Union was originally established in the Searles Valley to provide the plant workers of American Potash Chemical Company a place to cash their payroll checks. In May of 1999 the Desert Valleys Federal Credit Union expanded its’ field of membership to include
  • AltaOne Federal Credit Union
  • 701 South China Lake Boulevard, Ridgecrest, CA, 93555
  • AltaOne members and employees enjoy a one-of-a-kind relationship with their credit union. Offering much more than personal and business financial products and services, we continually strive to be the community’s choice for an all-around member experience, strengthening ties with our local communities through events and outreach programs
  • KPL Select Mortgage
  • 2583 N. Palm Canyon Dr, Suite 200, Palm Springs, CA, 92262
  • KPL Select Property Management, Inc., is a full service property management company with over 20 years of experience managing residential, commercial and vacation properties throughout Southern California. We specialize in the rental and management of Single Family Homes and Multi Unit Residential properties in the greater Los Angeles Area