USDA Vs. FHA your options comparison in Garwood, Union County, NJ

In 2025, the USDA loan limit in Garwood, county of Union, NJ is set at $0, while the FHA limit for a single-family home reaches $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare today's best USDA vs. FHA rates. Find out the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, explore USDA, FHA, Conforming, and VA options side by side to help decide which program in best suits your financial situation.

View offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Garwood, Union, NJ

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

USDA and FHA Loan Options in Garwood, NJ

Lendersa® aims to secure the ideal USDA or FHA loan for you quickly and with ease. Choose from one of three starting points that link you to lenders and USDA loan programs.

Lendersa USDA loan request and matching results

About USDA Loans in NJ

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is specifically for rural areas. Unlike FHA loans needing a minimum of 3.5% down payment, USDA loans need no down payment.

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



  • National Lending Group
  • 9620 NW Tanasbourne Drive, Suite 300, Hillsboro, OR, 97124
  • National Lending Group is a mortgage brokerage with the mission to help real people achieve their real dreams.Buying a home is a big transaction, so we streamline the process, making it stress-free while helping our clients save money.We will work hard & care about your individual needs because you deserve nothing less than a happy home transaction
  • Cascade Residential Mortgage, LLC
  • 150 NE 3rd Ave, Suite A, Hillsboro, OR, 97124
  • Cascade Residential Mortgage, LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
  • Minuteman Mortgage
  • 5635 NE Elam Young Parkway, Suite 308, Hillsboro, OR, 97124
  • Minuteman Mortgage exists to serve our local community and families by empowering our clients and business relationships at a moment’s notice through personalized financial education, transparency, and integrity so that they may achieve the American Dream and the pursuit of happiness.
  • SkyOne Federal Credit Union
  • 14600 Aviation Blvd, Hawthorne, CA, 90250
  • SkyOne Federal Credit Union has been serving its members for 70 years, providing financial tools to help members save for their future, get financing for their homes and cars, and much more. As a not-for-profit organization, we are passionate about helping our members build a strong financial foundation
  • 401K Realty
  • 13658 Hawthorne Blvd, Suite 105, Hawthorne, CA, 90250
  • 401k Realty is a property management and real estate brokerage company dedicated to helping you get the most out of your real estate goals. Whether it be purchasing a home, investment property, or managing tenants, our team of knowledgeable professionals can assist you. With over 25 years of experience in real estate brokerage.
  • US Lending & Company Inc.
  • 12846 Hawthorne Boulevard, Hawthorne, CA, 90250
  • US Lending & Company, Inc. is South Bay’s leading mortgage lender and held in high regard throughout the entire state of California. Whether you are buying, building or refinancing, we provide our clients with education, strategy and guidance to help them achieve their financial goals.
  • Grayson Realty and Management
  • 4819 West 139th Street, Hawthorne, CA, 90250
  • Grayson Realty and Management (GRM) provides customized Real Estate Services – Buying and Selling as well of assistance finding quality residential mortgages for purchasing or refinancing homes or investment properties. Grayson Realty and Management has been making home buying dreams come true for nearly 15 years.
  • Korb Capital Inc.
  • 12844 Inglewood Avenue, Hawthorne, CA, 90250
  • KORB Capital a Mortgage and Real Estate company in Los Angeles serving all of Los Angeles and surrounding areas. Specializing in Private Lending and all aspects of Real Estate. We Have the RIGHT LOAN for the first time home buyer, repeat buyers and homeowners looking to refinance.
  • Murphy Bank
  • 5180 North Palm Avenue, Fresno, CA, 93704
  • Murphy Bank is a bit unusual. Rather than trying to be all things to all people, we do a few things, and we do them well. We help busy farmers and small business owners get loans for new or used machinery and equipment. We make it easy for them to get customized loans and leases for their vehicles
  • Sierra Mortgage
  • 516 W. Shaw Ave, Suite 200, Fresno, CA, 93704
  • Sierra Mortgage is your premiere mortgage lender located in Fresno, CA. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance an existing loan.