In the year 2026, the USDA loan ceiling in Hampton, situated in the county of Sussex, NJ, is set at $776,600. In contrast, the FHA cap is $1,089,300 for a single-family residence.
Utilize the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, assessing the income, credit worthiness, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA comparison side by side, aiding your decision on which program in best suits your financial needs.
2026 loan ceilings and down payment needs in Hampton, county of Sussex, NJ
Loan Category
Limit Amount
Down Payment Percentage
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA loan avenues in Hampton, NJ
Lendersa® strives to secure the ideal USDA or FHA loan for you, promptly and effortlessly. Choose from three beginnings that lead to matching lenders and optimal USDA loan programs.
A USDA home loan is a government-backed loan, secured by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. These loans are exclusively available in rural areas. Unlike FHA loans that demand at least a 3.5% down payment, USDA mortgages require no down payment at all.
First Hope Bank is a family operated community bank that has been in operation since 1911. We are a full-service bank with products ranging from deposit accounts to loans to investment and insurance products offered by either our Trust Department or Raymond James Financial Services, Inc.
Lakeland Bank is the wholly-owned subsidiary of Lakeland Bancorp, Inc., with over $8 billion in total assets. With an extensive branch network and commercial lending centers throughout New Jersey and Highland Mills, NY, the Bank continues to build on its infrastructure of financial strength, profitability, efficiency and quality service.
Our mission is to serve our 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.
Founded as a one-branch credit union serving Picatinny Arsenal in 1939, we have continued to grow and evolve in tandem with the community we serve. In 2005, Picatinny was approved for a Community Charter, with membership now open to anyone who lives, works, worships or goes to school in Morris County, as well as their immediate families.
American Federal Mortgage, we make it easy for those seeking to refinance or purchase their dream home in 10 states by offering a variety of flexible loan programs geared toward each client's specific mortgage needs. Having been a recognized leader in the mortgage lending industry for nearly three decades,
American Mortgage Partners, Inc. Our mortgage representatives specialize in providing home loans to borrowers in New Jersey and Pennsylvania. We have decades of experience offering top-notch client service. In addition to conventional and FHA, VA, and USDA loans, we provide solutions beyond traditional banking.
Established in 1980, in Chatham, NJ Mortgage Access Corp. is licensed in over 40 states. As a Licensed Mortgage Banker, Mortgage Access Corp. derives its mortgage products from many sources & investors; unlike banks or savings & loan institutions, which are often limited by the availability of their own deposits & a single lending philosophy.
