USDA and FHA Pro and Con in Chatham, Morris County, NJ

In 2025, USDA loan limit in Chatham, county of Morris, NJ is $776,600 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Chatham, county of Morris, NJ

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

USDA and FHA loan options in Chatham, NJ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Jersey?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Taylor Mortgage Group, LLC
  • 133 County Road 17, Suite E1-A, Elizabeth, CO, 80107
  • "Janie Taylor of the Taylor Mortgage Group began her real estate career in Denver in 1975 starting with on site sales. Her success led to resales, commercial investment, commercial leasing and farm, ranch and land sales. We offer almost any loan you could ever imagine! Land, Construction, Refinance, Jumbo and much much more!"
  • Texas Bridge Credit Union
  • 3131 Holly Road, Corpus Christi, TX, 78415
  • Texas Bridge Credit Union is a voluntary cooperative, not-for-profit savings institution, incorporated under the Texas Credit Union Act in 1951 for the purpose of encouraging thrift among its members, creating a source of credit at a fair and reasonable rate of interest, and providing an opportunity for its members to use.
  • Century Finance Co
  • 4314 Ayers St, Corpus Christi, TX, 78415
  • Century Finance makes loans up to $1340 with up to 12 months to pay back. If you have good credit, or slow credit Century Finance in most cases will be able to qualify you for a personal loan. Our personal loans are granted as unsecured loans. Unsecured loans and signature loans are provided on good faith or other wise called good faith loans.
  • Trans Texas Southwest Credit Union
  • 3401 Loop 306, San Angelo, TX, 76904
  • The mission of Trans Texas Southwest Credit Union is to provide quality financial services to our members through the offering of deposit accounts to meet investment needs and to insure the availability of a competitive lending program handled in a cooperative spirit. Trans Texas Southwest Credit Union Chartered in 1954.
  • Concho Educators Federal Credit Union
  • 3215 W Loop 306, San Angelo, TX, 76904
  • Concho Educators Federal Credit Union was chartered in 1941 to fulfill the financial needs of Educators within Tom Green County. The initial field of membership for the credit union was limited to teachers and administrators employed by the San Angelo Independent School District.
  • 1st Community Federal Credit Union
  • 3505 Wildewood Drive, San Angelo, TX, 76904
  • 1st Community Federal Credit Union is a federally chartered, federally insured full-service financial institution with over 21, 000 members worldwide and over $220 million in assets. We have 3 offices in San Angelo, Texas and 1 office each in Ballinger, Eldorado, Fort Stockton, Midland and Crane, Texas.
  • Samco Finance
  • 2201 West Avenue N, San Angelo, TX, 76904
  • SAMCO Finance was founded in 1979. We are a Texas-only loan company that is locally owned. SAMCO Finance has grown throughout the years, expanding to offices in San Angelo, Abilene, TX. and the surrounding areas. Our mission statement is “Lending to Make a Difference.” This statement is backed by our commitment to help people
  • RJ Funding Services
  • 3371 Knickerbocker road, San Angelo, TX, 76904
  • RJ Funding Services (also known as Rafter J Funding) is a reputable alternative lending firm that works with clients throughout the United States and Canada. Specializing in providing capital to small businesses and large corporate entities, our firm delivers innovative solutions to funding business enterprises in all industries.
  • Farmers & Stockmens Bank
  • 22 Maple Street, Clayton, NM, 88415
  • Since our inception in 1920, the generations of service providers with Farmers & Stockmens Bank have shared the goal of offering our customers the most up-to-date products and services, competitive rates, and sensible terms to help them reach their financial goals. Whether you are buying a CD, buying a house, funding 4-H projects, or funding a cons
  • Lone Star State Bank of West Texas
  • 6220 Milwaukee Avenue, Lubbock, TX, 79424
  • Lone Star State Bank of West Texas is a full-service bank with locations in Lubbock, Odessa, Brownfield, Big Spring, & Midland. Providing comprehensive depository and lending products, our services are delivered with a “high touch” personalized approach. Lone Star is committed to providing superior responsiveness and value to our customers through.
  • ALLIANCE Credit Union
  • 6219 TX 327 Spur, Lubbock, TX, 79424
  • ALLIANCE Credit Union is a not-for-profit financial institution that serves anyone who lives, works, or worships in the counties of Lubbock, Hockley, Lamb, Hale, Floyd, Crosby, Garza, Lynn, and Terry. The mission of ALLIANCE Credit Union is to make a difference financially, and the vision is to be the best financial solution.
  • Peoples Bank Texas
  • 5820 82nd St, Lubbock, TX, 79424
  • Peoples Bank exists to place the needs of our employees, customers, and shareholders at the center of everything we do. We focus attention on the needs of local families, businesses, towns, and farmers. We take local deposits and then make loans back into the neighborhoods where our depositors live and work.