FHA VS Conventional loan programs in New-Providence, Union County, New Jersey

In 2026, the conventional loan limit in New-Providence, located in Union county, NJ, stands at $970,800, while the FHA limit for a single-family home amounts to $970,800. These figures are crucial for potential homebuyers in these areas.

Try out the Lendersa® Conventional loan calculator to evaluate today's top rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator enables you to compare Conforming Conventional loans side-by-side with USDA, FHA, and VA options, helping you choose the best program for your financial needs in NJ.

Explore loan offers from a selection of 100 lenders

2026 Loan Limits and Down Payment Requirements in New-Providence, County of Union, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $0 0%
FHA $970,800 3.5%

This comparison table is for zip codes: 7974

Conventional and FHA Loan Options in New-Providence, NJ

The objective of Lendersa® is to connect you with the best Conventional, USDA, or FHA loan smoothly and swiftly. Choose from three starting points that lead to matching lenders and loan programs designed to reduce complexity.

Results for Lendersa USDA loan request


  • First New York Federal Credit Union
  • 2 Wall St, Albany, NY, 12205
  • First New York Federal Credit Union, originally Schenectady Teachers Federal Credit Union, was federally chartered in 1937 to serve the teachers of the Schenectady City School district. Today First New York has eight Branch locations and three FNY Express Teller Kiosks, serving over 34, 000 members, and is one of the strongest financial institution

  • CAP COM Federal Credit Union
  • 4 Winners Circle, Albany, NY, 12205
  • CAP COM was first established in 1953 in Albany, N.Y. More than six decades later, CAP COM has grown to more than $2 billion in assets and 12 branch locations. We are member-driven and focused on superior service, convenient products and competitive rates that help our members save money and make life just a little easier

  • Fort Orange Funding
  • 21 Everett Rd. Ext, Albany, NY, 12205
  • Fort Orange Funding, 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 and your family from the many mortgage.

  • OwnersChoice Funding
  • 1021 Watervliet Shaker Road, Albany, NY, 12205
  • Over the past 30 years, the mortgage professionals at OwnersChoice have earned a reputation for attention to detail, timeliness, answers, and the ability to deliver financing that fits your life. It’s the kind of excellence and “personal touch” you’d expect from a home lending partner with deep roots in the credit union movement.

  • Homeowners Advantage
  • 4 Winners Circle, Albany, NY, 12205
  • Homeowners Advantage provides affordable home real estate loan options to homebuyers, homeowners, credit unions, real estate professionals, investors and builders in order to make the dream of owning a home a reality. We provide the highest level of integrity, professionalism and customer service in the mortgage industry.

  • Washington Trust Mortgage Company
  • 23 Broad Street, Westerly, RI, 02891
  • Washington Trust Mortgage Company LLC originates residential real estate mortgage loans, including construction, purchase and refinancing, through its offices in Massachusetts, Connecticut and Rhode Island. Our team of experienced mortgage professionals is dedicated to providing customized.

  • Westerly Community Credit Union
  • 122 Granite Street, Westerly, RI, 02891
  • "Started in 1948, Westerly Community Credit Union (WCCU) has grown to a $257 million financial institution with over 18,250 members. Our members are served by 65 employees via 4 branches in RI; 2 in Westerly, 1 in Richmond, and 1 in South Kingstown.

    Recently, the WCCU was awarded 'Best Places to Work 2018'​ by the Providence Business News"

  • Milestone Mortgage Solutions
  • 54 High Street, Westerly, RI, 02891
  • Milestone Mortgage Solutions offers borrowers a full spectrum of integrated loan processing, underwriting and direct lending services -- all under one roof. The result? Fast processing of residential mortgage applications, and a better overall experience for you! We offer conventional purchase and refinance home loans, VA, FHA, USDA-RD

  • Florence Bank
  • 85 Main Street, Florence, MA, 01062
  • Our commitment to sound banking, combined with our promise to provide the best service available, has made us one of the fastest growing banks in our area.

    Florence Bank remains committed to serving the community as a local bank. The bank is depositor owned and its Directors and Corporators are all actively involved in the local community.

  • Bank of England Mortgage
  • 19405 Plantation Road, Suite 1A, Rehoboth Beach, DE, 19971
  • Bank of England Mortgage has been providing down home service. Along with powerful nationwide mortgage loans, we offer clients peace of mind knowing they are working with a credible national mortgage banker. Our success is due primarily to the talent of our people and access to hundreds of mortgage products at industry.

  • Evolve Bank & Trust
  • 19405 Plantations Road, Rehoboth Beach, DE, 19971
  • Evolve Bank team in 2017 after spending five years in client services. I find my true passion in helping families and individuals succeed in making the most informed decision regarding loan options; tailored towards their specific financial needs. As an experienced loan professional, I can ensure full transparency.

  • Atlantic Prime Mortgage
  • 19269 Coastal Highway, Suite 1, Rehoboth Beach, DE, 19971
  • We are a small business located in Annapolis, MD. Our founders, David Jones and Wes Tower, are Annapolis residents and active in the local community. We had a desire to help the community that we love so much, so we started a mortgage company aimed at providing great service and rates to our customers.