Explore the differences! FHA VS Conventional loan programs in Dover, Morris County, New Jersey

In 2026, the conventional loan limit in Dover, located in Morris county, NJ, stands at $1,089,300. The FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® Conventional loan calculator to explore and compare today's best rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation to qualify. With our comprehensive mortgage calculator, view Conforming Conventional loans alongside USDA, FHA, and VA, aiding in selecting the ideal program for your financial needs in NJ.

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2026 Loan Limits and Down Payment Requirements in Dover, Morris County, NJ

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

This comparison table applies to zip codes: 7801

Conventional and FHA Loan Options in Dover, NJ

The goal at Lendersa® is to secure the best possible loan—be it Conventional, USDA, or FHA—quickly and easily. Choose one of three starting points that connect you to matching lenders and loan programs.

Visual of Lendersa USDA loan request and matching results


  • HomeGotOwned
  • 786 Mountain Blvd, Suite 202, Watchung, NJ, 07069
  • We deliver the absolute best lending experience through knowledge, communication, and care. Our mission supports the growth and strength of our communities and provides a pathway to the dream of homeownership. Whether you are a new home buyer looking for a first time mortgage or needing to refinance your home mortgage.

  • TOP VINE MORTGAGE SERVICES, L.L.C.
  • 786 Mountain Blvd, Suite 202, Watchung, NJ, 07069
  • Top Vine Mortgage Services was formed to ensure customer satisfaction is met. By partnering with the nation's top financial institutions, our distinctive approach to mortgage financing means we can virtually guarantee our clients receive the best rates and terms available. With years of experience and deep industry insights,

  • BD Capital LLC
  • 67 Mountain Blvd, Suite 201, Warren, NJ, 07059
  • BD Capital is a direct lender specializing in fast and creative solutions for immediate real estate investor financing needs. We were founded in 2015 with a mission to transform the current private lending landscape by offering a family office environment with competitive lending parameters

  • Villa Nova Financing Group LLC
  • 30 Technology Drive, Suite 2C, Warren, NJ, 07059
  • Villa Nova Financing Group was founded in 2003 by Anthony Villanova, a Certified Mortgage Planning Specialist (CMPS) and mortgage broker, who brought with him a host of industry expertise gained through years of experience as a serial entrepreneur and commercial investor.Today, Anthony and his team of loan experts provide intelligently

  • BANKNET MORTGAGE SERVICES
  • 172 Washington Valley Road, Suite 2A, Warren, NJ, 07059
  • Banknet Mortgage, a hometown mortgage company serving the State of New Jersey since 1991. Our unique business model will provide you with access to mortgage programs offered by some of the largest and most respected financial institutions in the country, as well as provide you with access to several local Bank portfolio programs

  • Commercial Mortgage Unlimited LLC
  • 22 Tilghman Dr, Glen Rock, NJ, 07452
  • Commercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type. All property typesCommercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type.

  • Omega Financial Services, Inc.
  • 1185 Morris Avenue, Union, NJ, 07083
  • Omega Financial Services, Inc. is a full service, Non-Supervised, Multi-State Direct Residential and Commercial Lender and Wholesaler. With over 25 years of experience, Omega’s goal has been to assist clients in owning a home, acquiring a business, or an investment property by offering a wide array of loan programs and giving attention to detail.

  • PLATINUM MORTGAGE, LLC
  • 1915 Morris Avenue, #2, Union, NJ, 7083
  • At Platinum Mortgage LLC, 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

  • Gold Ring Investments Inc
  • 0-40 Fair Lawn Parkway, Fair Lawn, NJ, 07410
  • Gold Ring Investments Inc, is a partner to Santomenno and company in New Jersey. A small Independent Investment Management group whose primary executive sits in the lead capacity of Registered Investment Advisor, (RIA) Founded in 1975 by Rocco R. Santomenno, the company has built a strong

  • CITIZENS MORTGAGE CORPORATION
  • 26-01 Pellack Drive, FAIR LAWN, NJ, 7410
  • Founded in May 1987, Citizens Mortgage Corp is a family-owned and operated mortgage company that caters to first time home buyers and has been dedicated to serving the underserved communities. Our mission is to be the most efficient mortgage provider in the State of New Jersey, New York and Hawaii. We have been committed

  • Atlantic Federal Credit Union NJ
  • 37 Market Street, Kenilworth, NJ, 07033
  • Atlantic Federal Credit Union was founded in 1935 by a group of AT&T Western Electric employees in Kearny, New Jersey. They were dedicated to building a not-for-profit financial cooperative to meet their savings and borrowing needs — an especially formidable task in that depression era.

  • New Jersey Mortgage Broker
  • 165 Belmont Ave, Belleville, NJ, 07109
  • Dennis Viera mortgage broker, solely with the best interest of my clients in mind. With strong working relationships with over 20 lenders and a great network of realtors, I continue to find the perfect fit for my buyers while maintaining a fast and efficient process, but more importantly, keeping an absolute focus on the expectations