In the year 2026, the USDA loan limit for Bernards, located in the county of Somerset, NJ, is set at $776,600. In contrast, the FHA loan limit for a single-family home is $1,089,300.
To compare today's best USDA and FHA rates, use the Lendersa® USDA loan calculator. This tool helps you explore the income, credit, reserves, and necessary documents for eligibility. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, aiding you in determining which loan program in aligns best with your financial needs.
2026 loan limits and down payment requirements in Bernards, county of Somerset, NJ
Loan Category
Maximum Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA loan programs in Bernards, NJ
The mission of Lendersa® is to provide you with the optimal USDA or FHA loan quickly and efficiently. Start with one of three options to find matching lenders and USDA loan programs.
A USDA home loan, also known as a USDA mortgage or USDA rural development loan, is guaranteed by the Department of Agriculture. It is exclusively available in rural areas. Contrary to FHA loans requiring a 3.5% minimum down payment, a USDA loan doesn't necessitate any down payment.
Peapack Private, the bank’s wealth management* division, offers comprehensive financial, tax, fiduciary and investment advice and solutions, to individuals, families, privately-held businesses, family offices and not-for-profit organizations, which help them to establish, maintain and expand their legacy.
American Federal Mortgage, we make it easy for those seeking to refinance or purchase their dream home in 10 states by offering a variety of flexible loan programs geared toward each client's specific mortgage needs. Having been a recognized leader in the mortgage lending industry for nearly three decades,
"Affinity is a full-service, not-for-profit financial institution owned by its members & dedicated to their financial wellbeing. Through thick and thin, good times and bad, we’ll always be here for you.
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180 Mount Airy Road, Suite 202, Basking Ridge, NJ, 7920
Lends in New Jersey
Cornerstone Mortgage Group offers premier mortgage services for New Jersey residents. Whether you are looking for a home loan to purchase your first home or looking to get a better mortgage rate on your current house, our New Jersey mortgage specialists can help you achieve your home financing goals.
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172 Washington Valley Road, Suite 2A, Warren, NJ, 07059
Lends in New Jersey
Banknet Mortgage, a hometown mortgage company serving the State of New Jersey since 1991. Our unique business model will provide you with access to mortgage programs offered by some of the largest and most respected financial institutions in the country, as well as provide you with access to several local Bank portfolio programs
