FHA VS Conventional loan programs in Edison, Middlesex County, New Jersey

In 2026, the Conventional loan limit in Edison, situated within Middlesex county, NJ, is $1,089,300, whereas for a single-family home, the FHA limit is $1,089,300.

Utilize the Lendersa® Conventional loan calculator to examine today's best rates among Conventional, FHA, and USDA loans. Quickly determine the income, credit score, reserves, and required documents necessary to qualify. Our sophisticated mortgage tool allows you to see Conforming Conventional loans, USDA, FHA, and VA offerings side by side, aiding your decision on the best program in NJ for your specific financial needs.

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Loan limits and down payment specifications for 2026 in Edison, 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 comparative data applies to the following zip codes: 08820

Options for Conventional and FHA loans in Edison, NJ

The aim of Lendersa® is to swiftly secure you the best Conventional, USDA, or FHA loan with minimal hassle. Begin with any of the three approaches that can connect you with matching lenders and loan programs.

USDA loan request and matching results with Lendersa


  • American Mortgage Management
  • 4695 Chabot Drive, Suite 200, Pleasanton, CA, 94588
  • Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. To serve our customers with honesty, integrity and competence.

  • Bay Area Premier Mortgage, Inc.
  • 4695 Chabot Drive, Suite 200, Pleasanton, CA, 94588
  • Bay Area Premier Mortgage, Inc., 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 & your family from the many mortgage options.

  • 1st United Credit Union
  • 5901 Gibraltar Drive, Pleasanton, CA, 94588
  • It doesn’t get simpler, faster and friendlier than 1st United Credit Union. As one of the first credit unions in California, 1st United Credit Union was founded in 1932 and has been thriving in the San Francisco East Bay Area ever since. We believe in local, neighborly banking and hope you will too.

  • United Lending Partners
  • 4234 Hacienda Dr, Pleasanton, CA, 94588
  • United Lending and Realty Partners have joined together to help our customers meet their financial goals in the real estate market. If you are looking to refinance your mortgage, make that first home purchase, buy an investment property, or even sell your home, we have the Loan Officers and Real Estate Agents ready to assist you

  • Atlantic Pacific Funding
  • 7901 Stoneridge Dr. Ste 120, Pleasanton, CA, 94588
  • Atlantic Pacific Funding is a residential mortgage company offering mortgage services to residents throughout California. Our staff has over a combined 100 years of experience in the Mortgage and Real Estate Industry. What makes us great at what we do is our knowledgeable staff, responsiveness, accountability, and friendliness.

  • Diablo Valley Federal Credit Union
  • 1051 A Detroit Avenue, Concord, CA, 94518
  • Chartered in 1961, Diablo Valley Federal Credit Union is a financial cooperative which is owned and operated by its members. Anyone who lives, works, worships or attends school in central Contra Costa County is eligible to open an account. Your funds are insured up to $250,000 through NCUA, a government agency.

  • Loan-guys.com (e-constructionloans.com)
  • 2074 Mataro Way, San Jose, CA, 95135
  • Since 2000 we have specialized in construction loans, lot loans, and vacant land loans in the Western United States. We do single close construction loans for ground-up construction starting with a vacant lot or a tear down, as well as single close construction loans for rehab,remodel and additions.

  • Mortgage Solutions, Inc
  • 1775 Lincoln Avenue, Napa, CA, 94558
  • At Mortgage Solutions, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Napa Valley Lending
  • 5230 Country Lane, Napa, CA, 94558
  • Our company is based on the belief that our customers’ needs are of the utmost importance. Our entire team is committed to meeting those needs. As a result, a high percentage of our business is from repeat customers and referrals.We would welcome the opportunity to earn your trust & deliver you the best service in the industry, honestly, ethically.

  • Icon Capital Group, Inc.
  • 3449 Crestview Way, Napa, CA, 94558
  • Icon Capital has built its mortgage practice based on planning with the lowest cost loan strategy over time. Utilizing competitive rates and loan products that can easily be managed and interwove into your overall short and long term financial goals to maximize wealth creation, cash flow and cost.

  • Private Money Bancorp Inc.
  • 62 Incline Green Lane, Alamo, CA, 94507
  • Purchasing or refinancing your home can be a confusing process. Our mission is to hire and train the best talent in your local area to provide you with First Class service, advice, and products for today’s competitive real estate market. Our mortgage professionals have an average of 10 years of experience in home lending.