FHA VS Conventional loan in White, Warren County, New Jersey

In 2026, the conventional loan limit in White, Warren county, NJ, is $726,200, while the FHA limit for a single-family home reaches $472,030.

Use the Lendersa® Conventional loan calculator to compare the top rates today for Conventional, FHA, and USDA loans. Determine necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator provides a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, helping you choose the right program for your financial situation in NJ.

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2026 Loan Limits and Down Payment Requirements in White, Warren County, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to the following zip codes: 07823

Discover Conventional and FHA Loan Options in White, NJ

Lendersa® aims to quickly provide you with the best Conventional, USDA, or FHA loan, free of hassle. Start with one of three paths to connect with the right lenders and programs.

Overview of Lendersa USDA loan requests and results


White Lenders

  • First Hope Bank
  • 1301 Hope Bridgeville Road, Hope, NJ, 07844
  • Lends in New Jersey
  • First Hope Bank is a family operated community bank that has been in operation since 1911. We are a full-service bank with products ranging from deposit accounts to loans to investment and insurance products offered by either our Trust Department or Raymond James Financial Services, Inc.

  • IRCO Community Federal Credit Union
  • 450 Hillcrest Boulevard, Phillipsburg, NJ, 08865
  • Lends in New Jersey
  • IRCO Community Federal Credit Union was formed on April 21, 1966, to strictly serve the employees of Ingersoll Rand Company in Phillipsburg, NJ. In 1986, we officially became a community credit union with a new name – IRCO Community Federal Credit Union. This change allowed us to open our doors to many more people in our community.

  • RESIDENTIAL HOME MORTGAGE CORPORATION
  • 53 Frontage Rd, Suite 200, Hampton, NJ, 08827
  • Lends in New Jersey
  • RHMC is one of the nation’s top customer rated mortgage lenders. Combining the expertise and comprehensive array of mortgage products offered by national banks, with a culture that prioritizes unparalleled personal service, we specialize in creating custom mortgage solutions tailored to meet the needs of each individual client.

  • Riegel Federal Credit Union
  • 515 Milford-Warren Glen Rd, Milford, NJ, 08848
  • Lends in New Jersey
  • In 1960, a group of employees of Riegel Paper pooled their resources and received a federal charter to form their own credit union. This group of volunteers and community activists provided a place where hard-working locals could save for the future and borrow to get through tough times.

  • Homepath Lending llc
  • 227 Rt 206 N, Flanders, NJ, 7836
  • Lends in New Jersey
  • 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.