USDA Vs. FHA your options comparison in Stratford, Camden County, NJ

For 2025, the USDA loan limit in Stratford, located within Camden County, NJ, is $381,800. By comparison, the FHA loan limit for a single-family home is $529,000.

Utilize the Lendersa® USDA loan calculator to compare today’s most favorable USDA and FHA rates. Determine the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you review USDA, FHA, Conforming, and VA options side by side, helping you decide on the best program for your financial needs, particularly if you are in .

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2025 Loan Limits and Downpayment Details in Stratford, Camden County, NJ

Loan Type Loan Limit Down payment
USDA $381,800 0%
FHA $529,000 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Stratford, NJ

The goal of Lendersa® is to swiftly connect you with the best USDA or FHA loan available. Select one of three pathways to align with lenders and access USDA loan programs.

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Learning about USDA Loans in NJ

A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is offered exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages require no down payment, making home ownership more accessible.

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



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