USDA VS FHA in Flemington, Hunterdon County, NJ

In 2026, the USDA loan limit for Flemington in Hunterdon, NJ stands at $776,600, while the FHA limit for a single-family home is $1,089,300.

Leverage the Lendersa® USDA loan calculator to compare current USDA and FHA rates and assess the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you choose the best program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Flemington, Hunterdon, 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 Options in Flemington, NJ

The mission of Lendersa® is to promptly secure the best USDA or FHA loan for you without hassle. Choose from three options to engage with matching lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the U.S. Department of Agriculture and available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans necessitate no down payment.

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



Flemington Lenders

  • Central Loan Company LLC
  • 2607 N. Main St., Annandale, NJ, 08801
  • Lends in New Jersey
  • Central Loan Company and its staff take pride in offering “old fashion service” to the residents of Dona Ana County and its surrounding areas.

    Founded in 1954 as one of a handful of independently owned finance companies in Las Cruces; the business was started with three pioneer families of Gutierrez, Chavarria and Smith

  • RESIDENTIAL HOME MORTGAGE CORPORATION
  • 53 Frontage Rd, Suite 200, Hampton, NJ, 08827
  • Lends in New Jersey
  • RHMC is one of the nation’s top customer rated mortgage lenders. Combining the expertise and comprehensive array of mortgage products offered by national banks, with a culture that prioritizes unparalleled personal service, we specialize in creating custom mortgage solutions tailored to meet the needs of each individual client.

  • Montgomery Mortgage
  • 2230 Route 206, Belle Mead, NJ, 08502
  • Lends in New Jersey
  • "Montgomery Mortgage has an estimated 99% customer satisfaction rate. After nearly 15 years of service, we do not have a single complaint with the New Jersey Department of Banking.
    We have the highest rating possible with the Better Business Bureau. Licensed as Mortgage Bankers, not just a Broker"

  • Riegel Federal Credit Union
  • 515 Milford-Warren Glen Rd, Milford, NJ, 08848
  • Lends in New Jersey
  • In 1960, a group of employees of Riegel Paper pooled their resources and received a federal charter to form their own credit union. This group of volunteers and community activists provided a place where hard-working locals could save for the future and borrow to get through tough times.

  • Peapack-Gladstone Bank
  • 500 Hills Drive, Suite 300, Bedminster, NJ, 07921
  • Lends in New Jersey
  • Peapack Private, the bank’s wealth management* division, offers comprehensive financial, tax, fiduciary and investment advice and solutions, to individuals, families, privately-held businesses, family offices and not-for-profit organizations, which help them to establish, maintain and expand their legacy.

  • Financial Resources Federal Credit Union
  • PO Box 6999, Bridgewater, NJ, 08807
  • Lends in New Jersey
  • FRFCU's headquarters is located in Bridgewater, NJ & has been in business for over 100 years. The Credit Union was formerly the Ethicon Employees FCU which was formed by a group of Johnson & Johnson employees. As one of the largest Credit Unions in New Jersey, it is a member-owned, not-for-profit cooperative.

  • GOLDEN MORTGAGE CORPORATION
  • 818 Route 202-206, Bridgewater, NJ, 8807
  • Lends in New Jersey
  • Since 1998, our mission is to serve our New Jersey and New York customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • The Bank of Princeton
  • 183 Bayard Lane, Princeton, NJ, 08540
  • Lends in New Jersey
  • Established in 2007, The Bank of Princeton opened its Chambers Street doors for business on the 23rd of April. Since then, the Bank has grown to include nineteen branch locations that serve Mercer, Burlington, Camden, Gloucester, Hunterdon,
    Middlesex, Monmouth, Ocean, and Somerset counties in New Jersey

  • Princeton Federal Credit Union
  • 774 Alexander Road, Princeton, NJ, 08540
  • Lends in New Jersey
  • Princeton Federal Credit Union was founded in 1972 by the faculty and staff of Princeton University. We are a not-for-profit financial cooperative serving the financial needs of our members. Our Core Values are Great People, Integrity, Service Mindset, and Teamwork. Princeton Federal Credit Union was originally chartered in 1972.