USDA Loan Vs. FHA loan pro & con Chester, Morris County, NJ

In 2025, the USDA loan cap for Chester, situated in Morris County, NJ, is $776,600. Comparatively, the FHA limit for a single-family house is $1,089,300.

The Lendersa® USDA loan calculator is designed to help you compare and contrast today's top USDA and FHA rates, determining the necessary income, creditworthiness, reserve funds, and documentation required to be eligible. Through our cutting-edge mortgage calculator, you can visually review USDA, FHA, Conforming, and VA options side by side, allowing you to choose the program that best fits your financial reality if you're in .

Exploring USDA and FHA Loan Options in Chester, NJ

At Lendersa®, our commitment is to facilitate your acquisition of the most favorable USDA or FHA loan with speed and convenience. Select one of the three pathways we offer to align with lenders and avail yourself of USDA loan offerings.

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An Overview of USDA Loans in NJ

A USDA home loan, endorsed by the Department of Agriculture, is also recognized as a USDA rural development loan or USDA mortgage. This loan is accessible exclusively in rural areas. Distinct from FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage necessitates no initial down payment.

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(833) 435-6500 Lender's profile and map Reviews SANCTUARY HOME MORTGAGE LLC 555 North Point Center East, 4th Floor, Office 479, Alpharetta, GA, 30022 Sanctuary Home Mortgage, a private, boutique mortgage firm local to Metro Atlanta, was founded in unique collaboration and strong partnership with Atlanta Fine Homes Sotheby’s International Realty. Our high-caliber mortgage professionals are trusted, award-winning individuals with 75 years of combined mortgage experience.
(912) 764-9846 Lender's profile and map Reviews CORE Credit Union 1099 Bermuda Run Rd., Statesboro, GA, 30458 CORE Credit Union was founded, in 1974, as Bulloch County School Employees Credit Union by eight residents of Bulloch County. The charter members originally founded the Credit Union to serve educators in Bulloch County. In 1980, the Credit Union expanded its field of membership to include the employees of Georgia Southern College.
(844) 247-6774 Lender's profile and map Reviews AgSouth Farm Credit 26 S Main Street, Statesboro, GA, 30458 Financing for all agricultural interests, farms, rural recreational tracts, timber tracts, home lots, conventional home mortgages, home lots, home construction and rural land not intended for non-agricultural commercial use or immediate resale. Loans for Land, Farms and Homes throughout South Carolina and Georgia.
(920) 684-0361 Lender's profile and map Reviews UnitedOne Credit Union 1117 South 10th Street, Manitowoc, WI, 54220 UnitedOne is a member-owned financial cooperative that educates our members and helps them build financial strength. UnitedOne Credit Union was formed in 2002 by the merger between Manitowoc Community Credit Union and First Superior Credit Union. We are a full service financial institution that offers checking accounts, electronic services.
(920) 320-2209 Lender's profile and map Reviews Holy Family Memorial Credit Union 2300 Western Avenue, Manitowoc, WI, 54220 Holy Family Memorial Credit Union was chartered in 1961. We are a closed chartered credit union for Holy Family Memorial Medical Center. Our mission is to meet our membership’s financial needs through quality service at the best value while maintaining financial stability. We look to be here for our members now and for many years to come.
(920) 682-8500 Lender's profile and map Reviews Shipbuilders Credit Union 2001 Washington Street, Manitowoc, WI, 54220 Shipbuilders Credit Union has provided our members comprehensive, personalized and convenient service since 1938. Originally, Shipbuilders Credit Union was formed to service the employees and families of the Manitowoc Company. Shipbuilders Credit Union is a financial services company based out of 2001 Washington St, Manitowoc, Wi.
(920) 652-3100 Lender's profile and map Reviews Bank First 402 N 8TH St, Manitowoc, WI, 54220 Bank First is headquartered in Manitowoc, Wisconsin. Through a combination of acquisitions and de novo offices, our Bank has expanded to serve the financial needs of those throughout Wisconsin. Our growth has been achieved through our relationship-based model of banking. We take pride in knowing our customers on a personal level.
(920) 482-3700 Lender's profile and map Reviews Shoreline Credit Union 4400 Calumet Ave., Manitowoc, WI, 54220 Shoreline Credit Union was originally formed by a small group of employees from the Hamilton Manufacturing Company of Two Rivers. The Hamilton Employees Credit Union was run by part-time volunteers from a corner of the company’s personnel department. Later on, space was rented in a downtown building as the credit union grew.
(920) 467-8105 Lender's profile and map Reviews Meadowland Credit Union 1040 North Main Street, Sheboygan Falls, WI, 53085 Meadowland Credit Union was chartered on April 18, 1957 as Bemis Employees Credit Union. At that time, the credit union was serving only the employees of Bemis Manufacturing and their immediate family members. On January 10, 1995, our field of membership was expanded to include employees of Richardson Industries and their immediate family members.
(630) 276-5555 Lender's profile and map Reviews HealthCare Associates Credit Union. 1151 East Warrenville Road, Naperville, IL, 60563 As a credit union, we have members, not customers. As a not-for-profit cooperative, we are dedicated to providing superior financial value with products and services including savings, checking, investments, loans, credit cards, and 24/7 access to your money via mobile, Internet and telephone.
(312) 218-0989 Lender's profile and map Reviews Vincent Viriyakul Residential & Commercial Financing & Real Estate 1754 N. Washington St, Suite 128B, Naperville, IL, 60563 Great Mortgage Company Inc. 1754 N Washington St, Ste 128B Naperville, IL 60563 is an Illinois Residential Mortgage Licensee. Great Mortgage Company Inc is an approved FHA lender, not an agency of the U.S government. All loans are subject to final lender approval. Programs, rates, terms and conditions may change without notice.
(630) 369-7227 Lender's profile and map Reviews CIBM Bank 1811 Centre Point Drive, Suite 123, Naperville, IL, 60563 full-service banking offices you'll find a full array of Personal and Business banking services and products to help you create the life you want and to help your business continue to be successful. We work hard to be your partner and we understand that this means listening and responding to the unique needs of you.