USDA Vs. FHA your options comparison in Frankford, Sussex County, NJ

For the year 2025, the USDA loan ceiling in Frankford, located in Sussex, NJ, is $776,600, whereas the FHA cap for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to assess today's leading USDA versus FHA rates. It helps determine the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA options side by side, guiding you in choosing the best program for your finances, particularly in .

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2025 Loan Limits and Downpayment Requirements in Frankford, Sussex, NJ

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

Various USDA and FHA Loan Options in Frankford, NJ

Lendersa®'s mission is to facilitate a smooth and quick process in obtaining the best USDA or FHA loan available. Begin by selecting one of three pathways to match with lenders and explore different USDA loan programs.

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Understanding the USDA Loan in NJ

The USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires none, making it an appealing choice.

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



  • The Cecilian Bank
  • 104 East Main Street, Cecilia, KY, 42724
  • The Cecilian Bank's rich history is proof of our reliability, dedication and trustworthiness. Our loyalty to our customers and community has elevated The Cecilian Bank from one small building in Cecilian, Kentucky, to where we stand today as one of the most respected financial institutions in the region
  • Volunteer Federal Savings Bank
  • 108 Main Street, Madisonville, TN, 37354
  • Volunteer Federal Savings Bank will, both prudently and professionally, utilize its resources to ensure ongoing stability and fulfill the financial product needs and customer service expectations of individuals, families, businesses, and communities located within and around Monroe County, Tennessee.
  • The Wright Credit Union
  • 286 N. Broad Street, Toccoa, GA, 30577
  • The Credit Union was chartered on November 8, 1963 as Wright Manufacturing Employees Credit Union by the State of Georgia Department of Banking and Finance. The sewing plant owner, Ernest Wright, had been loaning his employees money from his own personal money. A need and common bond was established causing the employees to come together
  • Omega Psi Phi Fraternity Federal Credit Union
  • 568 Liberty Hill Rd, Toccoa, GA, 30577
  • The Omega Psi Phi Fraternity Federal Credit Union continues to provide financial avenues for the fraternity’s members, families and employees. With an excellent team of dedicated members of the Board, and Committees, we have a competitive, financially secure credit union. We encourage you to join, save, borrow,
  • Boda Finance LLC
  • 5164 East 81st Street 3rd Floor, Merrillville, IN, 46410
  • We at Boda Finance believe there is no deal that is too big to fund. From refinancing, to construction, and blanket loans, we focus on financing quickly and without hassle. If you are in need of a lending partner, look no further than Boda Finance LLC! We get you funded regardless of the market conditions!
  • ProFinance Federal Credit Union
  • 7700 Broadway, Merrillville, IN, 46410
  • ProFinance Federal Credit Union is a locally owned, nonprofit, community-focused credit union for the cities and towns of Merrillville, Gary, New Chicago,Portage, Hobart, Lake Station, and South Haven. Established in 1938, our financial institution has been proud to offer our members a complete array of financial services including debit
  • Northern Indiana Federal Credit Union
  • 8121 Grand Boulevard, Merrillville, IN, 46410
  • Northern Indiana FCU offers honest service, incredibly competitive rates and flexible terms on a variety of loans to fit your budget and lifestyle. If you have an existing loan with another lender, talk to us about refinancing. We may be able to help you reduce or lower your monthly payments
  • Members Source CU
  • 8580 Virginia Street, Merrillville, IN, 46410
  • Originally established as Northern Indiana Public Service Employees’ Federal Credit Union on August 27, 1935 we offered membership to a group of employees who worked for NIPSCO. In November 2006, we changed our name to Members Source Credit Union and expanded our membership. We now have more than 6,200 members
  • Local 697 FCU
  • 7200 Mississippi Street, Suite 400, Merrillville, IN, 46410
  • Founded in 1959 to serve regular and associate members of Local 697, International Brotherhood of Electrical Workers Local 697 Federal Credit Union is a member owned and operated financial institution guided by a five-member volunteer Board of Directors. Since then the Federal Credit Union has opened its membership to the employees