USDA Vs. FHA your options comparison in Hightstown, Mercer County, NJ

In the year 2025, the USDA loan limit in Hightstown, situated in Mercer, NJ, is $336,500. In contrast, the FHA limit for a single-family residence is $472,030.

Take advantage of the Lendersa® USDA loan calculator to compare top USDA and FHA rates available today, establishing the necessary income, credit, reserves, and documentation for approval. Our cutting-edge mortgage calculator provides a side-by-side overview of USDA, FHA, Conforming, and VA options to assist you in selecting the tailored program for your finances, particularly in .

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2025 Loan Limits & Required Downpayments in Hightstown, Mercer, NJ

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

Options for USDA and FHA Loans in Hightstown, NJ

Lendersa® aims to secure the ideal USDA or FHA loan for you seamlessly and swiftly. Opt from three starting paths to connect with corresponding lenders and explore USDA loan programs.

Lendersa USDA loan request matches outcomes

Understanding USDA Loan in NJ

The USDA home loan, a government-backed option by the Department of Agriculture (also known as USDA rural development loan or USDA mortgage), is exclusively for rural environments. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require none, offering significant attraction for eligible buyers.

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



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