USDA Vs. FHA Pro and Con comparison in Hillsborough, Somerset County, NJ
In 2025, the USDA loan limit in Hillsborough, Somerset county, NJ is $776,600, whereas the FHA limit is $1,089,300 for a home designed for one family.
Take advantage of the Lendersa® USDA loan calculator to weigh the best USDA versus FHA rates today. It helps you assess the needed income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA loans side by side, determining the optimal program for your financial situation in .
2025 Loan Limits and Downpayment Requirements in Hillsborough, Somerset County, 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 Opportunities in Hillsborough, NJ
The primary aim at Lendersa® is to provide you with the most suitable USDA or FHA loan promptly and without difficulty. Choose one of three starting methods that have you matched with lenders offering USDA loan plans.
A USDA home loan, backed by the U.S. Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage. It's exclusively for rural areas. While FHA loans require at least a 3.5% down payment, the USDA loan demands no down payment at all.
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