USDA and FHA Pro and Con in Finderne, Somerset County, NJ

In 2025, the USDA loan cap for Finderne, in the county of Somerset, NJ, is $776,600. The FHA limit for a single-family home, in contrast, is $1,089,300.

Make use of the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. This tool helps you determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, enabling you to decide which program is ideal for your financial situation in .

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Loan Limits and Downpayment Requirements for 2025 in Finderne, County of Somerset, NJ

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Options for USDA and FHA Loans in Finderne, NJ

The mission of Lendersa® is to promptly deliver the best USDA or FHA loan with minimal hassle. Choose from three starting points to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in NJ

A USDA home loan, backed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is offered only in rural neighborhoods. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans have no down payment requirement, offering an attractive lending option for eligible rural homebuyers.

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



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