FHA VS Conventional loan programs in 2026 for Phillipsburg, Warren County, New Jersey
In 2026, the limit for conventional loans in Phillipsburg, situated in the county of Warren, NJ, is set at $726,200. Conversely, the FHA limit for a single-family dwelling is $472,030.
Employ the Lendersa® Conventional loan calculator to juxtapose today's leading rates across Conventional, FHA, and USDA loans, assessing your income, credit, reserves, and documentation needs to achieve qualification. This advanced calculator enables you to compare Conforming Conventional loans with USDA, FHA, and VA programs side by side, assisting you in discerning the best suited option in NJ for your unique financial scenario.
In 2026, loan limits and down payment necessities in Phillipsburg, county of Warren, NJ
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
Zero percent
FHA
$472,030
3.5%
This comparison table pertains to the following zip codes: 8865
Options for Conventional and FHA loans in Phillipsburg, NJ
The objective of Lendersa® is to secure you the most favorable Conventional, USDA, or FHA loan expediently and effortlessly. Choose one of three starting points to connect with matching lenders and loan packages.
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