USDA and FHA Pro and Con in Byram, Sussex County, NJ

In 2025, the USDA loan limit for Byram in Sussex county, NJ is $776,600, whereas for a single-family home, the FHA limit is $1,089,300.

Use the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates. This helps you evaluate the income, credit, reserves, and documents needed for qualification. Through our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best option for your financial needs in .

Explore loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Byram, Sussex, NJ

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Options in Byram, NJ

The aim of Lendersa® is to get you the most beneficial USDA or FHA loan quickly, without hassle. Select one of three approaches to connect with lenders offering suitable USDA loan programs.

Lendersa USDA loan request and matching results

What to Know About USDA Loans in NJ

The USDA home loan, guaranteed by the government Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • SmartBank
  • 2430 Teaster Ln, Suite 205, Pigeon Forge, TN, 37863
  • SmartBank emerged in January 2006, when long-time executive Bankers Bill Carroll and Billy Carroll decided to start the process of organizing a Bank with the image, values and service level that would become incomparable to any other Bank in the market. SmartBank opened its first office in January 2007
  • The Mortgage House Inc
  • 305 Hoover, Suite 500, Holland, MI, 49423
  • This company is a mortgage broker offering first mortgages, FHA loans, VA loans, conventional mortgages, reverse mortgages, construction loans and loans for manufactured homes. When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation.
  • St. Francis X. Federal CU
  • 2140 M-119, Petoskey, MI, 49770
  • St. Francis X FCU’s mission is to be the premier provider of financial services for all residents of Northern Michigan. To achieve this goal we will sustain a culture of never-ending improvement, commit to maximum customer value, operate with integrity and honesty in all relationships, actively support our community, and pursue the application of i
  • American Dream Mortgage LLC
  • 11478 Lantern Road, Suite A, Fishers, IN, 46038
  • Dana T. Greenwood As a licensed mortgage loan originator, I support my clients from pre-approval all the way through closing. Whether you are a first time home buyer or a seasoned home owner, you can trust me with all of your home financing needs! American Dream Mortgage Llc covered your mortgage process.
  • Diamond Mortgage LLC
  • 14074 Trade Center Drive, Suite 255, Fishers, IN, 46038
  • We approach each challenge and opportunity with a unique level of commitment and consideration for our clients long-term benefit. Our team will earn your confidence and provide you with a single-source relationship secured by experience you can trust. Diamond Mortgage, you will have the financial tools, experience, & technology to reach your goals.
  • Capital Mortgage Solutions
  • 14074 Trade Center Drive, Suite 241, Fishers, IN, 46038
  • 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.
  • New Life Mortgage Corp
  • 14074 Trade Center Drive, Suite 132, Fishers, IN, 46038
  • New Life Mortgage is locally-owned and operated company specializing in residential lending in the state of Indiana. At New Life Mortgage, you will find caring, seasoned professionals dedicated to making your home-financing experience a lifelong relationship and most especially, one that is both beneficial and gratifying.
  • CrownMark Mortgage
  • 8980 Technology Dr., Fishers, IN, 46038
  • When you're applying for mortgages in Fishers, IN, trust your personal information and financial details to the team members at CrownMark Mortgage. With more than 20 years of experience assisting our customers' needs for mortgages, we're dedicated to providing client satisfaction.
  • Porter Financial Group, LLC
  • 100 Main St, Suite 7, East Jordan, MI, 49727
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Creative Capital Inc
  • 6938 Tranquility Lane, Fennville, MI, 49408
  • Creative Capital Inc., an independently owned mortgage broker was established in 1997 in Royal Oak, MI out of a growing demand for procuring not only out-of-the-box lending options to borrowers, but also low cost, low interest conventional mortgages. The business was built on personal and professional integrity providing a broad spectrum.