USDA and FHA Pro and Con in Delaware, Hunterdon County, NJ

In 2025, the USDA loan limit for Delaware, in the county of Hunterdon, NJ, stands at $776,600. Meanwhile, for a single-family home, the FHA limit is $1,089,300.

Use Lendersa® USDA loan calculator to compare the best rates for USDA versus FHA loans today and establish the required income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in deciding which program in best suits your financial needs.

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2025 Loan Limits and Down Payment Requirements in Delaware, Hunterdon, 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 Delaware, NJ

The goal of Lendersa® is to secure the most suitable USDA or FHA loan swiftly and without hassle. Start with any of the three provided options that connect you to matching lenders and USDA loan programs.

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What is a USDA Loan in NJ?

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available only in rural neighborhoods. In contrast to FHA loans, which require a minimum of a 3.5% down payment, USDA loans do not require any down payment.

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



  • Lightpoint Mortgage Company, Inc
  • 161 St Matthews Ave, Suite 10, Louisville, KY, 40207
  • The Lightpoint Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Kentucky . Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt
  • Multiple Option Mortgage Services
  • 295 North Hubbards Lane, Suite 102, Louisville, KY, 40207
  • Multiple Option Mortgage Services is a mortgage broker. Servicing Louisville & surrounding areas. Specializing in all types of residential lending including Conventional, FHA, VA & KHC. With over twenty-five years of experience, our knowledgeable team is confident that they will facilitate a smooth closing in the purchasing of your new home.
  • Encore Mortgage LLC
  • 1001 Dupont Road, Suite 110 B, Louisville, KY, 40207
  • Encore Mortgage, LLC, we understand your house is your home—not a loan. We know this because we’ve always been in the business of caring about our customer’s journey, writing our story right alongside yours. Whether you are first time home buyer, purchasing your dream home, or refinancing an outstanding loan.
  • MM Lending
  • 4165 Westport Rd, Suite 204, Louisville, KY, 40207
  • MM Lending, in Louisville, KY, is a private lending association that provides short-term financing to residential "fix and flip" investors. and also MM Lending offers short-term, hard money loans for residential real estate investors.are the primary means of funding for these investors.
  • Smith Broady & Associates
  • 1114 E. 10th Street, Jeffersonville, IN, 47130
  • Smith Broady and Associates was founded in 2008 to serve the mortgage service needs of Southern Indiana by Leslie Smith & Sonya Broady after many years of experience in the mortgage industry. Their combined industry experience and knowledge is brought together & transferred to our team of Loan Officers to ensure your mortgage is handled accurately.
  • Strategic Mortgage, LLC
  • 1327 Broadway St, Henryville, IN, 47126
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Straits Area Federal Credit Union
  • 201 Locust Street, Cheboygan, MI, 49721
  • Straits Area Federal Credit Union, you’ll save. When your checking account is with Straits Area Federal Credit Union, you’ll save. Every time you use a credit card from us, you’ll save.We have three convenient Northern Michigan locations: Cheboygan, Indian River, and Mackinaw City.
  • Citizens National Bank
  • 303 N. Main St, Cheboygan, MI, 49721
  • Citizens National Bank is the largest community bank in Northern Michigan. The Bank was established on January 24, 1931 and has been operating under the same name and at the same location in Cheboygan ever since. The Bank has 8 full-service branches located in Cheboygan, Emmet and Presque Isle counties.