USDA Vs. FHA your options comparison in Hamilton-Square, Mercer County, NJ
For 2025, in Hamilton-Square, within the county of Mercer, NJ, the USDA loan limit is $306,700, whereas the FHA limit for a single-family home is $356,362.
Utilize Lendersa®'s USDA loan calculator to assess and compare the current top USDA versus FHA rates, determining necessary income, credit rating, reserves, and documents required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program available in tailored to your financial needs.
2025 Loan Limits and Down Payment Requirements in Hamilton-Square, Mercer, NJ
Loan Type
Max Loan Amount
Down Payment
USDA
$306,700
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Opportunities in Hamilton-Square, NJ
At Lendersa®, our objective is to ensure you quickly secure the most favorable USDA or FHA loan with minimal effort. Select one of three starting points leading to matching lenders and suitable USDA loan programs.
Backed by the government's Department of Agriculture, a USDA home loan, often called a USDA rural development loan, is specifically designed for rural areas. In contrast with FHA loans requiring a minimum 3.5% down payment, USDA loans require zero down payment, making them exceptionally accessible for aspiring homeowners.
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