FHA VS Conventional loan programs in Wharton, Morris County, New Jersey
In the year 2026, the conventional loan ceiling for Wharton, located in Morris, NJ, is set at $1,089,300. Meanwhile, for a single-family residence, the FHA cap is $1,089,300.
Utilize the Lendersa® Conventional loan calculator to compare today's best rates among Conventional, FHA, and USDA loans. You can evaluate the necessary income, credit score, reserves, and documentation needed to qualify. Our advanced calculators let you view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in determining the right program for your financial needs in NJ.
Loan limits and down payment requirements in Wharton, Morris county, NJ for 2026
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$1,089,300
3%
USDA
$776,600
0%
FHA
$1,089,300
3.5%
These comparisons are valid for the zip codes: 7885
Available Conventional and FHA loans in Wharton, NJ
Lendersa® is committed to providing you with the highest quality Conventional, USDA, or FHA loan quickly and conveniently. Choose from three different starting options to connect with matching lenders and suitable loan programs.
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