In 2026, Trenton, situated in Mercer, NJ, offers a conventional loan limit of $726,200, while the FHA loan ceiling for a single-family home is $472,030.
Our Lendersa® Conventional loan calculator can help you evaluate and compare today’s best Conventional, FHA, and USDA rates. Analyze Conforming Conventional loans alongside USDA, FHA, and VA to discover which option in NJ best fits your financial scenario.
Discover loan offers from 100 lenders
| Loan Type | Loan Limit | Down payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
This comparison is applicable for zip codes: 08638
Lendersa® ensures you find the most suitable Conventional, USDA, or FHA loan quickly and without stress. Choose from three pathways to connect with matching lenders and programs.
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