USDA Vs. FHA Pro and Con comparison 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.
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