FHA VS Conventional loan in Cranbury, Middlesex County, New Jersey

During 2026, the Conventional loan cap in Cranbury, within Middlesex county, NJ, is $1,089,300, whereas the FHA limit for a single-family home is set at $1,089,300.

Utilize the Lendersa® Conventional loan calculator to assess the best rates of the day, comparing Conventional, FHA, and USDA loans. By evaluating income, credit, reserves, and necessary documents for qualification, our sophisticated mortgage calculator lets you view Conforming Conventional loans, USDA, FHA, and VA loans in parallel, aiding you in choosing the ideal program for your financial requirements in NJ.

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2026 Loan Limits and Down Payment Requirements in Cranbury, Middlesex, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This table's comparison pertains to the following zip codes: 8512

Conventional and FHA Loan Opportunities in Cranbury, NJ

The objective of Lendersa® is to ensure you swiftly obtain the best possible Conventional, USDA, or FHA loan with minimal hassle. Choose from three starting points to find compatible lenders and suitable loan programs.

Lendersa USDA loan request and results visualization


Cranbury Lenders

  • NJ Gateway Federal Credit Union
  • 100 Culver Road, Monmouth Junction, NJ, 08852
  • Lends in New Jersey
  • We are NJ Gateway FCU – a not-for-profit financial institution, organized in 1969, & wholly owned by our membership. Our asset size is currently at $30 million. More than 4000 member/owners actively use the services available to them through NJGFCU. Our Mission is Growing trusted relationships by helping members gain personalized financial success!

  • Xpress Financial Mortgage Corp
  • 4270 Route 1 North, Monmouth Junction, NJ, 8852
  • Lends in New Jersey
  • Xpress is proud to provide mortgage loans in New Jersey and Pennsylvania. We offer conventional and government insured loans to meet your purchase need. We also offer refinance programs to accommodate those homeowners who are interested in shortening their loan term, lowering their mortgage rate, or taking cash out for remodeling, college tuition.

  • ALL STATE LENDERS CORP.
  • 2088 US HWY 130, #100, Monmouth Junction, NJ, 08852
  • Lends in New Jersey
  • All State Lenders Corporation (ASLC) has been satisfying hundreds of customers every year with their mortgage needs. We founded our company on the promise of understanding that borrowers know the mortgage industry is a mature market where price differentiates between lenders. Our success at All State Lenders was founded on a low cost

  • The Bank of Princeton
  • 183 Bayard Lane, Princeton, NJ, 08540
  • Lends in New Jersey
  • Established in 2007, The Bank of Princeton opened its Chambers Street doors for business on the 23rd of April. Since then, the Bank has grown to include nineteen branch locations that serve Mercer, Burlington, Camden, Gloucester, Hunterdon,
    Middlesex, Monmouth, Ocean, and Somerset counties in New Jersey

  • Healthcare Employees Federal Credit Union
  • 29 Emmons Drive, Suite C40, Princeton, NJ, 08540
  • Lends in New Jersey
  • Healthcare Employees Federal Credit Union is to create superior member value over a lifelong relationship through personalized service & competitive and convenient financial services while maintaining a sound financial condition. The vision of the Healthcare Employees Federal Credit Union is to become recognized as the premier financial institution

  • Certified Wealth Mortgage & Investment
  • 101 College Road East, Suite 2, Princeton, NJ, 08540
  • Lends in New Jersey
  • Certified Wealth Management & Investment, LLC an independent Registered Investment Advisory firm. He is a graduate of the United States Merchant Marine Academy with a BS in Marine Engineering. He has been in the financial services industry since 1983 with extensive experience in financial planning, insurance & mortgages.

  • Middlesex County Employees Federal Credit Union
  • 825 Georges Road, 3rd Floor, North Brunswick, NJ, 08902
  • Lends in New Jersey
  • The Middlesex County Employees Federal Credit Union has been in existence since 1967. We are federally chartered and have to follow the rules and regulations set by the National Credit Union Association "NCUA". Our books and policies are audited at least once a year. All accounts are insured by NCUA for up to $250, 000.

  • United One Mortgage Inc
  • 1215 Livingston Avenue, Suite 305, North Brunswick, NJ, 08902
  • Lends in New Jersey
  • 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 from the many mortgage options that are available today.

  • Icon Realty Capital, Direct Lender
  • 151 Rt 33 E, Suite 251, Englishtown, NJ, 07726
  • Lends in New Jersey
  • Icon Realty Capital is owned and operated by a team of seasoned real estate professionals who have a combined 52 years of hands-on real estate experience. We collectively participated in $3 Billions + in transactions, acting as capital providers, equity and syndicator. Our ability to Close Quickly, in as little as THREE days is a function.