USDA and FHA Pro and Con in Cranbury, Middlesex County, NJ
In 2026, the USDA loan limit for Cranbury, located in Middlesex, NJ, is $776,600; the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to examine today's best USDA versus FHA rates, determining necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to review USDA, FHA, Conforming, and VA options side by side, assisting in selecting the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Cranbury, Middlesex, NJ
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Choosing USDA and FHA Loan Options in Cranbury, NJ
Lendersa® aims to efficiently provide you with the best USDA or FHA loan. Start with one of three paths to connect with suitable lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also termed as USDA rural development loan or mortgage, is specifically for rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA mortgages don't require any down payment.
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