USDA Vs. FHA your options comparison in Fanwood, Union County, NJ

In 2025, the USDA loan limit for Fanwood in Union County, NJ is set at $0, while the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to assess the current leading USDA against FHA rates. This tool helps you evaluate the income, credit, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, assisting you in deciding which program within suits your financial circumstances the best.

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Loan and Downpayment Limits for 2025 in Fanwood, Union County, NJ

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Options in Fanwood, NJ

Lendersa® is committed to securing you the optimal USDA or FHA loan with minimal hassle. Choose one of the three starting points we provide for connecting with lenders and accessing USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in NJ

A USDA home loan, endorsed by the Department of Agriculture, known also as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, requiring a minimum down payment of 3.5%, USDA mortgages require no down payment at all.

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



  • Infinity Home Loans Group
  • 77770 Country Club Drive, Suite A, Palm Desert, CA, 92211
  • Infinity Home Loans Group as well as a life time resident of the Coachella Valley, you can rely on me and my broad network of resources to make a REAL difference in your home buying process. Because of my 17 years of experience and the knowledgeable mortgage team that stands behind me, I'm an expert at connecting my customers to mortgage solutions.
  • Ronald Christopher and Associates Inc
  • 77734 Country Club Drive, Suite L2, Palm Desert, CA, 92211
  • Ronald Christopher & Associates is a boutique Real Estate & Mortgage office that was established in 2013, Veteran owned & operated by Ron & Tina Saporito. Meeting within the business many years ago, Ron & Tina discovered they both had the same drive & passion for the real estate & mortgage industry but wanted to offer their clients a more enhanced,
  • Power 1 Financial
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  • At Power 1 Financial has 20+ years of experience in the mortgage industry. As a Mortgage Broker we can offer many types of loan programs through a variety of lenders. Banks and Mortgage Bankers are only able to offer limited in-house loan programs. Our number one priority is focusing on making customers for life!
  • Boiko Mortgage Company
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  • HACIENDA HOME LOANS Inc
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  • Choice One Mortgage Company
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