USDA Vs. FHA Pro and Con comparison in Greenwich, Warren County, NJ

In 2026, the USDA loan cap in Greenwich, within the county of Warren, NJ is $336,500, whereas the FHA limit for an individual-family home is set at $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate and contrast the premier USDA and FHA rates available today. This will help ascertain the necessary income, credit, reserves, and documentation needed for qualifying. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans simultaneously, aiding you to determine which option best suits your specific financial conditions in .

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Loan limits and down payment demands for 2026 in Greenwich, within Warren, NJ

Type of Loan Limit Amount Required Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA loan alternatives in Greenwich, NJ

The mission of Lendersa® is to deliver the ideal USDA or FHA loan to you both swiftly and effortlessly. Choose among three options to connect with lenders and discover diverse USDA loan packages.

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Defining the USDA Loan in NJ

A USDA home loan is backed by the government via the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, readily accessible in rural settings only. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, a USDA mortgage requires no down payment, providing a distinct advantage.

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



Greenwich Lenders

  • IRCO Community Federal Credit Union
  • 450 Hillcrest Boulevard, Phillipsburg, NJ, 08865
  • Lends in New Jersey
  • IRCO Community Federal Credit Union was formed on April 21, 1966, to strictly serve the employees of Ingersoll Rand Company in Phillipsburg, NJ. In 1986, we officially became a community credit union with a new name – IRCO Community Federal Credit Union. This change allowed us to open our doors to many more people in our community.

  • 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.

  • 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.

  • 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