USDA Vs. FHA Pro and Con comparison in Berkeley-Heights, Union County, NJ
In 2025, the USDA loan cap for Berkeley-Heights in Union county, NJ, stands at $0, while the FHA cap is $822,375 for a single-family home.
Utilize the Lendersa® USDA loan calculator to compare the best current rates of USDA versus FHA loans. It helps determine the income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, guiding you to decide the best choice for your financial situation in .
2025 Loan Limits and Down Payment Requirements in Berkeley-Heights, Union, NJ
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$822,375
3.5%
Conforming Conventional
$822,375
3%
Options for USDA and FHA Loans in Berkeley-Heights, NJ
Lendersa® aims to provide you the optimal USDA or FHA loan swiftly and without difficulty. Select one of three starting points to link with lenders and utilize USDA loan programs.
The USDA home loan is a government-backed option from the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available in rural areas only. Unlike FHA loans which require a 3.5% down payment minimum, no down payment is needed for USDA loans.
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