USDA and FHA Pro and Con 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.
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.
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.
Monroe Savings Bank is a community bank located in Williamstown, New Jersey. We have served the Monroe Township community since 1870 and have prided ourselves on serving the needs of our community in a friendly and professional manner.Our main office is located on Main Street in downtown Williamstown.
Newfield National Bank, a full-service community bank, is a part of the Newfield Bancorp. It is a mutual savings bank, which is located in Newfield, N.J. Newfield National Bank provides a wide range of financial services and products, such as certificates of deposit, loans, checking and savings accounts
America One Mortgage, LLC’s 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 best service, competitive interest rates, and low closing costs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Century Savings Bank has grown from a small building and loan association in Bridgeton, NJ with just a few thousand dollars, to a friendly, multi-million dollar financial force operating from a network of six branches throughout southern New Jersey with locations in Elmer, Gibbstown, Mullica Hill, Upper Deerfield Twp, and Vineland.
Members 1st of NJ Federal Credit Union was formed in 1938 as the Cumberland Teachers Federal Credit Union. Our founders saw the need for a not-for-profit and democratically operated cooperative that would provide lower cost financial services, as well as represent the best financial interests of its members.
BAFCU is a member owned, not for profit, financial cooperative chartered in 1939. We are dedicated to providing members with a full range of high-quality personal financial products and services at the lowest cost possible. We currently serve the employees and members of 200 local businesses and organizations.
Parke Bank is a full service commercial bank, with an emphasis on providing personal and business financial services to businesses and individuals primarily in Philadelphia and surrounding counties and Southern New Jersey. Parke Bank’s deposits are insured up to the maximum legal amount by the Federal Deposit Insurance Corporation (FDIC).
146 Lakeview Drive, Suite 400, Gibbsboro, NJ, 08026
Lends in New Jersey
Liberty Mortgage USA is a retail mortgage lender and financial services company, which provides a variety of mortgage options, homebuying solutions, and refinancing solutions with low down payments, minimal charges, and competitive interest rates.Our services are based on simplicity and prudence. That’s why we simplify the mortgage process.
You can count on Greentree to make all of the arrangements for your mortgage. There are no up-front application fees. We get you started fast by analyzing your own individual needs, and finding a loan program that fits. If you are already a homeowner, we even provide a credit report analysis at no charge to you.
