FHA VS Conventional loan programs in Trenton, Mercer County, New Jersey
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.
2026 Loan Limits & Downpayment Requirements in Trenton, Mercer, NJ
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, 08611, 08618, 08629, 08609, 08608, 08601, 08603, 08604, 08605, 08607, 08625, 08645, 08646, 08647, 08666, 08695
Explore Conventional and FHA Loan Options in Trenton, NJ
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.
135 South State College Boulevard, Suite 200, Brea, CA, 92821
Charis is a word that is used for both giving and receiving. All of us, at Charis Loans, are both aware and thankful that we’ve been given grace, favor, and kindness throughout our lives. Our mission is to put those qualities into our work and give all of our clients an experience equal to our name. We appreciate the opportunity to serve.
AmWest Funding Corp. was originally founded in 1995. The organization is driven by a highly successful management team possessing an average of two decades of experience among its core leadership. Focused on providing home loans responsibly throughout the communities we serve exceptional customer experience for you and your client.
As one of the fastest growing mortgage bankers in the United States, we opened our doors in 2001 and have since expanded with many community based branches across the nation. Headquartered in Brea, CA, AFN built its reputation as an outstanding mortgage banking firm by serving the lending needs of real estate professionals
2305 Historic Decatur, Suite 100, San Diego, CA, 92106
Merchants Home Lending opened to serve the active and retired military personnel in the State of California. With 50 combined years of experience, Merchants has assisted over 1800 military families purchase a home. Merchants is a proud sponsor of the Wounded Warriors Project and USO.
Gail Faber, an award-winning, NMLS licensed mortgage agent and has more than 18 years’ experience in the industry. She exceeds client expectation by providing excellent customer service. Her strong background in escrow and processing makes her unique as she can provide a faster, more efficient, and easier approval process for her clients.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
Our mission is to serve our customers with honesty, integrity and competence. 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.
2468 Historic Decatur Road, Suite 160, San Diego, CA, 92106
"For over 35 years, San Diego Funding has remained one of San Diego’s most respected and trusted mortgage lenders, serving the lending needs of homebuyers, real estate professionals, and builders.
San Diego Funding is a full-service mortgage lender with access to a wide array of loan products to meet every situation. "
For more than 65 years, American First Credit Union has remained focused on the financial well-being of our members and our community, offering competitive products and personal service. With a vision to be our members’ most essential financial resource, we are relentless in our efforts to deliver a world of access, ease and convenience.
