USDA Vs. FHA Pro and Con comparison in Dayton, Middlesex County, NJ
In 2025, the USDA loan limit for Dayton, within Middlesex County, NJ, is $776,600, whereas the FHA limit for a single-family home stands at $1,089,300.
Leverage the Lendersa® USDA loan calculator to compare today's most favorable USDA and FHA rates, allowing you to ascertain the income, credit requirements, reserves, and documentation necessary to qualify. Utilizing our advanced mortgage calculator, you can align USDA, FHA, Conforming, and VA options side by side, helping to determine which program is most suitable for you if you're managing your finances in .
2025 Loan Limits and Downpayment Requirements in Dayton, Middlesex County, 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 Dayton, NJ
Lendersa® aims to swiftly and smoothly provide you with the best possible USDA or FHA loan option, circumventing unnecessary hassles. You can select one of three initial options that will connect you with lenders and available USDA loan programs.
A USDA home loan is supported by the Department of Agriculture and is commonly referred to as a USDA rural development loan or USDA mortgage. It is specifically available for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require no down payment, making them a viable option for many aspiring homeowners.
West Michigan Community Bank got its start in 1976 when a group of leading Hudsonville citizens joined forces to establish a bank focused on the needs of local businesses and individuals. Local decision-making was a key driver behind the launch, and it received strong support from residents and business owners alike.
Since 1998 it has been our the mission of Jefferson Financial Services to provide auto, vacation, hardship and personal loans for any reason. Our friendly, knowledgeable and professional team work to help people that can’t get a loan with a conventional loan institution. We understand that unexpected hardships happen in peoples lives.
TLCU Financial has grown into a modern credit union that focuses on meeting our members’ needs. Now, all residents in LaGrange, Marshall, Elkhart and St. Joseph County can join TLCU Financial, or anyone with a family member with an existing TLCU account. Employees from our Select Employee Groups can also become members.
We provide services to persons living or working in Wayne, LaGrange, Silver Creek, Pokagon, Penn, Volinia, Marcellus, Decatur and Paw Paw townships in Cass and Van Buren counties, as well as members of their family by blood or marriage. Once a Member always a Member.The Board of Directors is made up of seven members.
9745 Randall Drive, Suite 130, Indianapolis, IN, 46280
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.
Spectrum Mortgage Services, LLC is a three man shop that focuses on delivering the most competitive rate with the highest level of customer service. Aaron Campbell and John Dearth are seasoned mortgage professionals who have been in the industry for close to two decades.Together, they work to provide the best mortgage experience.
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.
As an Independent firm our focus is solely on helping you. When it comes to investment advice, we are fee-based. We have no incentive to work with a specific mutual fund company – ever. Our clients come from all walks of life. The common thread is they all appreciate objective, professional advice and solutions based on experience.
Providing exceptional financial products and outstanding customer service is our commitment! As a locally owned & operated bank, at Community First Bank of Indiana we view our client as much more than an account, it’s a know-you-by-name relationship.Our team of expert bankers in central Indiana are here to help with all of your checking and saving.
Indiana Heartland Federal Credit Union has been serving the financial needs of hard working people since opening for business in 1932. Indiana Heartland FCU is a full service financial institution, but with the credit union difference of better rates on products and services and a customer-centric focus
