USDA and FHA Pro and Con in Harding, Morris County, NJ
In 2025, the USDA loan limit for Harding, located within Morris county, NJ, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Leverage the Lendersa® USDA loan calculator to compare today's best USDA vs. FHA rates. Assess the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, guiding your decision on the most suitable program in for your financial situation.
2025 Loan Limits and Down Payment Requirements in Harding, Morris, 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 Harding, NJ
Lendersa® is dedicated to connecting you with the ideal USDA or FHA loan promptly and without complication. Start by selecting one of three initial pathways that link you with matching lenders and USDA loan options.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available solely in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require none, offering a no-down-payment advantage.
Arbor Financial Group is one of Orange County's top leaders in Real Estate, Mortgage, and Insurance. With a combined thirty years in the lending and insurance industries, Arbor Financial Group is recognized as a solutions-oriented firm known for creative strategies, personable service, and driven representatives.
1551 N. Tustin Ave, Suite 700, Santa Ana, CA, 92705
We understand the challenges you face in differentiating between various lending options and utilizing them the best way to achieve your goals. We simplify the process. We guide you confidently through the process and close your loan smoothly – protecting you from common pitfalls. Whether it’s doing our utmost to exceed your expectations, or keepi
From the beginning, JMAC Lending was built differently, on the simple premise that our clients deserve better. Our goal is to deliver unique and innovative products, exceptional client service and support, superior pricing, and a dedication to helping our partners grow business.
Our focus is on serving your needs. Our efficient process is driven by great people who understand our need to strive for excellent service to lead in our marketplace consistently. At Fidelity Bancorp Funding, we research all your funding options for you so you can relax knowing you’ll have the support you need.
2305 Historic Decatur, Suite 100, San Diego, CA, 92106
Merchants Home Lending opened to serve the active and retired military personnel in the State of California. With 50 combined years of experience, Merchants has assisted over 1800 military families purchase a home. Merchants is a proud sponsor of the Wounded Warriors Project and USO.
Gail Faber, an award-winning, NMLS licensed mortgage agent and has more than 18 years’ experience in the industry. She exceeds client expectation by providing excellent customer service. Her strong background in escrow and processing makes her unique as she can provide a faster, more efficient, and easier approval process for her clients.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
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.
2468 Historic Decatur Road, Suite 160, San Diego, CA, 92106
"For over 35 years, San Diego Funding has remained one of San Diego’s most respected and trusted mortgage lenders, serving the lending needs of homebuyers, real estate professionals, and builders.
San Diego Funding is a full-service mortgage lender with access to a wide array of loan products to meet every situation. "
