USDA Loans in New Jersey

USDA-eligible areas may be found in parts of New Jersey, often in small towns, farm country and the outer edges of larger metro regions. Eligibility is set address by address, and household income limits vary by county, so two homes in the same county can get different answers. Choose your city below to learn how USDA home loans work nearby, then check the address on the USDA map before you call a lender.

Questions about USDA loans in New Jersey?

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New Jersey's state housing finance agency is New Jersey Housing and Mortgage Finance Agency (NJHMFA). Its homebuyer programs include First-Time Homebuyer Mortgage Program, NJHMFA Down Payment Assistance Program (DPA), First Generation Down Payment Assistance Program. These programs work through participating lenders and have their own eligibility rules. See our New Jersey first-time buyer programs guide.

Where USDA loans activity is highest in New Jersey

County	loans originated (2024 HMDA)
Burlington County	42
Ocean County	37
Camden County	33
Gloucester County	25
Mercer County	22
Atlantic County	21
Middlesex County	16
Salem County	10
Cumberland County	8
Passaic County	8

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Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

USDA Loans by city in New Jersey

Common questions

How does a USDA loan compare with an FHA loan?

Both can help buyers with limited savings, but they work differently. USDA limits where you can buy and how much household income you can have, while FHA has no location or household income test. Their insurance and fee structures differ, too. Many buyers in eligible areas ask a lender to compare both on side-by-side Loan Estimates, since the better fit depends on the home and the household.

Does everyone in my house count toward the income limit?

For the household income test, generally yes. USDA looks at income from all adult household members, even those who are not on the loan. Certain deductions, such as for dependents, child care or elderly household members, may lower the income that counts. Repayment ability is then judged separately using only the borrowers' income and debts. Your lender can calculate both figures for you.

Can I use a USDA loan for a second home or rental?

No. USDA loans are for primary residences only, so you must intend to live in the home as your main residence. Vacation homes, investment property and homes bought mainly to rent out are not eligible. If your plans change after you move in, talk with your servicer about the rules. For non-owner-occupied purchases, a lender can describe other loan types that may fit.

2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025