FHA VS Conventional loan programs in 2026 for Dayton, Middlesex County, New Jersey

In 2026, the Conventional loan cap in Dayton, located in Middlesex county, NJ, is $1,089,300, while the FHA limit for a single-family home is $1,089,300.

Lendersa® offers a calculator to assess today's best rates for Conventional, FHA, and USDA loans. Evaluate the income, credit, reserves, and documents needed for qualification. Our sophisticated calculator allows you to see Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best option for your financial situation in NJ.

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2026 Loan Limits and Down Payment Requirements in Dayton, 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 applies to these zip codes: 8810

Options for Conventional and FHA Loans in Dayton, NJ

Lendersa® is dedicated to helping you secure the optimal loan—whether Conventional, USDA, or FHA—quickly and without hassle. Choose one of three options below to connect with appropriate lenders and find matching loan programs.

Results for Lendersa USDA loan request


  • Guardian Credit Union
  • 7801 S. Howell Avenue, Oak Creek, WI, 53154
  • In 1934, Harnischfeger Corporation employees in West Milwaukee, Wisconsin established a credit union to provide a source of credit at a fair interest rate and the opportunity for its members to improve their economic and social conditions. In 1986, the membership voted to expand the charter to a community credit union serving any persons living.

  • A Mortgage Boutique is a division of First Community
  • 1111 N Maple St., Murfreesboro, TN, 37130
  • Common home loan types include VA, Conventional, FHA, USDA, Fixed Rate, Adjustable Rate, Renovation, Construction, and Mobile/Manufactured Home Loans. When you are looking for a home loan, there are many types of loans for you to choose from. As you can see, you need quality home loan information and to understand the different types.

  • Educators Credit Union
  • 1326 Willow Road, Sturtevant, WI, 53177
  • Educators Credit Union was founded by teachers in 1937 so members could borrow and save money at fair and reasonable interest rates. Today, Educators members are students, government workers, healthcare employees, small business owners and many other community members. Educators started out operating under the guiding principle of “Not for Profit.

  • AMSTAR MORTGAGE NETWORK, INC
  • 2478 Burnt Hickory Road NW, Marietta, GA, 30064
  • Amstar Mortgage Network can help you achieve your mortgage financing goals. As a broker, we have access to companies all over the US and are able to shop around to get the best rate and program for you. To set up the right plan for you, get in touch with us -- we're happy to help. Randy McMullin

  • Dimensions Mortgage LLC
  • 777 Cleveland Avenue, Suite 101, Atlanta, GA, 30315
  • The Dimensions Mortgage Company is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Georgia. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.

  • Schaumburg Bank & Trust Company, National Association
  • 1180 E Higgins Rd, Schaumburg, IL, 60173
  • Schaumburg Bank & Trust offers banking solutions tailored to our customers, their needs, and our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events and throw neighborhood cookouts.

  • Bluestar Mortgage Inc
  • 951 North Plum Grove Road, Suite E, Schaumburg, IL, 60173
  • We are not just a typical mortgage lending company, that will have you start by working with the loan officer (or sales person) then be handed off to their assistant/processor, and later to their closer, only to explain your situation to multiple people. Our loan officer’s pride themselves with being involved in every step of the process with you.

  • Moonstar Mortgage
  • 953 N. Plum Grove Road, Schaumburg, IL, 60173
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchasing to refinancing and to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan with the best interest rates.