USDA VS FHA 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.

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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?



  • Wallick & Volk, Inc.
  • 222 East 18th Street, Cheyenne, WY, 82001
  • Wallick & Volk has numerous loan programs to help ensure that you are placed in the right loan program, based specifically upon your individual needs. Wallick & Volk mortgage professionals are here to guide you every step of the way! Click on any of the loan programs below to learn more about what we have to offer you.
  • Smarter Mortgage
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  • Smarter Mortgage LLC, we want you to have the best experience possible when buying your future home or refinancing your current home. We understand the issues and stress that can arise during this process.We are mortgage brokers, so we have access to multiple lending sources with greater flexibility, allowing us to deliver the best product.
  • ValueBank Texas
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  • Home Loans Made Easy, LLC
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  • Hereford Texas Federal Credit Union
  • 330 Schley Avenue, Hereford, TX, 79045
  • Hereford Texas Federal Credit Union has been open since 1936. The credit union has assets totaling $71.51 Million and provides banking services to more than 8, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a memb
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  • WesTex Federal Credit Union
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