USDA money is provided on a first come, first serve basis. Although money may be available at this moment, it will not necessary be avaialble in two months if there is an influx of loan applications. However, there are different financing programs available within the USDA program - a few have guaranteed funds. There is another 100% financing program in NJ call "Smart Start." You should have your agent check into this financing to see if your home qualifies for the program.