USDA and FHA Pro and Con in Franklin, Hunterdon County, NJ
For the year 2026, the USDA loan limit in Franklin within Hunterdon County, NJ, is $776,600. Meanwhile, the FHA cap for a single-family dwelling stands at $1,089,300.
Employ the Lendersa® USDA loan calculator to assess today's premier USDA against FHA rates, as well as determine the crucial income, credit, reserves, and paperwork required for qualification. Using our advanced mortgage tool, you can compare USDA, FHA, Conforming, and VA options side by side, assisting you in finding the best program in that fits your financial landscape.
2026 Loan Limits and Downpayment Requirements in Franklin, Hunterdon County, 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 Franklin, NJ
The mission of Lendersa® is to connect you promptly with the best USDA or FHA loan available, without unnecessary fuss. Opt for one of three initial pathways that lead to matching lenders and USDA loan solutions.
The USDA home loan, supported by the U.S. Department of Agriculture, is sometimes referred to as the USDA rural development loan or USDA mortgage. It's designed solely for rural neighborhoods. Whereas FHA loans require a minimum 3.5% down payment, USDA loans impose no down payment whatsoever.
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
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 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"
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 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.
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.
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.
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 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.
