In 2026, the USDA loan limit in Cranford, in the county of Union, NJ, is set at $0, while the FHA ceiling is $1,089,300 for single-family homes.
Utilize the Lendersa® USDA loan calculator to contrast the best rates between USDA and FHA loans today, and determine the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping you decide which option in is most suitable for your financial needs.
2026 Loan Limits and Down Payment Requirements in Cranford, County of Union, NJ
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Discover USDA and FHA Loan Options in Cranford, NJ
Lendersa® aims to swiftly secure the best USDA or FHA loan for you without any hassle. Choose from three different starting points to find matching lenders and USDA loan programs.
A USDA home loan is government-backed by the Department of Agriculture, frequently referred to as a USDA rural development loan or USDA mortgage, and it is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment at all.
Jersey Central Federal Credit Union (JCFCU) is a not-for-profit financial cooperative, chartered in 1937 to serve employees of the Central Railroad of New Jersey (CNJ), who worked in the engine repair and train services departments in Jersey City, NJ. The founding members recognized the need for affordable
No matter what your financial situation looks like, the experts at SunQuest will analyze your income, assets and liabilities; we’ll coordinate with your attorney, accountant or advisers, to insure that your New Jersey mortgage supports your other financial goals.The two founding partners of SunQuest Funding represent more than 40 years of experienc
First Alliance Home Mortgage, L.L.C. opened in 2004 and has since become one of the premier lenders in New Jersey. A Mortgage Banker/Broker with tremendous resources and a wide array of mortgage products we are committed to providing you with the best rates and mortgage programs available in today's market.
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For over 85 years, County Educators FCU has been helping people like you achieve their financial goals. We are proud of the wide range of valuable financial services we offer, from affordable Checking & Savings programs to convenient low-cost lending services. We can offer your employees a great employee benefit at absolutely no cost to you.
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Community Financial Services FCU is a not-for profit, member owned financial organization. It was originally chartered in 1949 as “Linden Assemblers FCU” by the General Motors assembly plant workers of UAW Local 595. Today membership is open to anyone who lives, works or worships in Union County, NJ.
At L'Oréal USA Federal Credit Union, we make loans for almost any worthwhile purpose. In fact, we have all the lending services most our members will ever need including: Secured Loans Unsecured Loans And Much More! Of course, you can expect all of our lending services to come with the prompt and friendly service you deserve as a member.
