USDA VS FHA in Dover, Morris County, NJ

In 2025, the USDA loan limit for Dover in Morris, NJ, is set at $776,600, whereas for a single-family home, the FHA limit is $1,089,300.

Utilize the Lendersa® USDA loan calculator to assess and compare the best rates offered by USDA and FHA today. This tool helps determine the income, credit, reserves, and necessary documents to be eligible. Feature-wise, our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best fit for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Dover, Morris, 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 Opportunities in Dover, NJ

At Lendersa®, our aim is to swiftly and effortlessly connect you with the best USDA or FHA loan options available. Begin by selecting one of three pathways that will match you with qualified lenders and the right USDA loan programs.

Lendersa USDA Loan Request and Results

Understanding USDA Loans in NJ

A USDA home loan, backed by the Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is designated for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages necessitate no down payment whatsoever.

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



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