USDA Vs. FHA your options comparison in Williamstown, Gloucester County, NJ

In 2026, for Williamstown in the county of Gloucester, NJ, the USDA loan limit stands at $381,800, while the FHA limit for a single-family home reaches $529,000.

Utilize the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates and determine the necessary income, credit, reserves, and documentation required to qualify. With our advanced mortgage calculator, you can analyze USDA, FHA, Conforming, and VA options side by side to choose the optimal program in for your financial situation.

Compare loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2026 in Williamstown, Gloucester, NJ

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

Exploring USDA and FHA Loan Options in Williamstown, NJ

The aim of Lendersa® is to provide you the best possible USDA or FHA loan swiftly and without hassle. Select one of the three starting points to connect with matching lenders and USDA loan programs.

Outcomes of Lendersa USDA loan request and matching

Understanding USDA Loans in NJ

A USDA home loan, secured by the Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas and, unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need no down payment.

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



  • First Fidelity Financial Services
  • 8821 South Redwood Rd, Suite B, West Jordan, UT, 84088
  • First Fidelity Financial Services™ is owned and operated by Bryan Pettit a Certified Mortgage Planner who through tested and proven principles, delivers consistent, stable, insights and results into all aspects of residential mortgage lending, (home purchases, refinances and reverse mortgages).

  • Reverse Freedom LLC
  • 9089 S 1300 W, Suite 110, West Jordan, UT, 84088
  • Reverse Freedom Mortgage is a Utah owned and operated company headquartered in West Jordan, Utah. Our name says it all – since 2008 our only line of business is Reverse Mortgages. We are passionate about these products and about our clients who benefit from the programs we utilize to help secure a stronger retirement plan.

  • Secure Mortgage LLC
  • 8537 South Redwood Rd, Suite B, West Jordan, UT, 84088
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.

  • 1st Source Funding, Inc
  • 8537 S Redwood Road, Suite A-3, West Jordan, UT, 84088
  • We provide quality real estate financing. With a proven track record of success in conventional and government loans, we have become one of the fastest growing full-service Mortgage Broker in the State of Utah. Our loan specialists are serious about customer service & go above & beyond to provide personal & attentive service our clients deserve.

  • Do Hard Money
  • 8846 South Redwood Road, #C212, West Jordan, UT, 84088
  • "DoHardMoney provides financing for Real Estate Investors, including new investors. Our funding options can be used for single family residence fix and flip investments, as well as home refinances.

    We fund loans within 5-14 business days, and we offer loans for up to 8 months with no payments for up to 6 months. "

  • EconMortgage
  • 1747 Heritage Lane, Suite B202, Syracuse, UT, 84075
  • Econ Mortgage prides itself on offering low rates, and costs, right out the gate! Compare us with your “guy/gal” and see why even loan officers do their financing through Econ Mortgage! We are a well-established company serving in Salt Lake City. As your premier Utah mortgage broker, we focus on providing you with the lowest rates.

  • Advantage Mortgage Home Loans
  • 2334 S. 600 W, Syracuse, UT, 84075
  • As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations.

  • Bob Kirkman Mortgage Lender
  • 1448 N 2000 W, Suite 2, Clinton, UT, 84015
  • Bob Kirkman believes that excellent service and a reputation for honesty, integrity and reliability are just as important as interest rates and closing costs. Bob’s team is committed to providing our Utah Mortgage clients with the highest quality Utah Home Loans combined with the lowest Utah Mortgage Rates available.

  • Top Tier Mortgage
  • 212 East Crossroads Blvd, Suite 177, Saratoga Springs, UT, 84045
  • Toptiermortgage.com, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.

  • Deseret First Credit Union
  • 2480 S 3850 W, Suite C, West Valley City, UT, 84120
  • "Deseret First Credit Union exists to foster the financial independence and well-being of its members within the LDS community. Our reputation for providing value and empowering the community reaches beyond the borders of Utah, where our 11 branches are located.

    Because we are a credit union, we have members, and not customers."

  • Popular Commercial Lending Group Inc.
  • 10808 River Front Pkwy, Suite 353, South Jordan, UT, 84095
  • PCLG was founded by industry veteran Darin Young. Young brings 30 years of residential, commercial, consumer finance & hard money bridge lending experience to the company with a background which includes Norwest/Wells Fargo, First Option Mortgage (original founder 1996) & small, private origination firms. Young acts as President and CEO for PCLG