USDA VS FHA 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 .

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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.

Lendersa USDA loan request and matching results

Defining USDA Loans in NJ

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.

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



  • EAST COAST MORTGAGE AND FINANCIAL SERVICES, INC
  • 540 pennsylvania avenue, Suite 230, Fort Washington, PA, 19034
  • East Coast Mortgage is a family owned business that originally opened their doors in 1977. Once run by brothers Harvey and Lenny Seidman, it is has been operated by Harvey and his son Jeff since 1997. East Coast has been a Mortgage Lender closing and funding loans in our own name since 2002
  • Atlantis Mortgage
  • 55 Oceanport Ave, West Long Branch, NJ, 07764
  • The Atlantis team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work one-on-one with you to provide a financial solution specifically tailored to meet your financing needs.
  • Andrew Davidson & Co
  • 65 Bleecker Street, Fifth Floor, New York, NY, 10012
  • Andrew Davidson & Co, Inc. is the leading provider of risk analytics and consulting for the mortgage (MBS) and asset-backed securities (ABS) industry. We develop & license prepayment & credit models as well as risk measurement tools that are the benchmark analytics used by top mortgage & commercial banks, insurers, credit unions, broker-dealers.
  • NestApple
  • 444 West 19th Street -, Suite 304, New York, NY, 10011
  • NestApple is an innovative licensed brokerage firm and marketing company based in New York. NestApple is designed to save on broker fees and disintermediate the New York residential real estate market. NestApple helps New Yorkers outsmart the residential real estate market by saving on broker fees.
  • Keegan Mortgage Corporation
  • 1504 Walnut Avenue, Oreland, PA, 19075
  • Our team of mortgage professionals is committed to finding you the best mortgage deal possible, while providing trusted counsel, advice and support at every step along the way.As our past customers can attest, we do not rest until we’ve helped make their dreams a reality and same customers have turned to us time.
  • SEA VIEW MORTGAGE, INC.
  • 27 Beach Rd Suite 5A, Monmouth Beach, NJ, 7750
  • 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.
  • Empire State Mortgage
  • 3504 Park Avenue, Weehawken, NJ, 07086
  • 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.
  • Global Home Lending
  • 209 Royal Avenue, Wyncote, PA, 19095
  • Global Home Lending combines the power of cutting edge technology with a world-class team of real estate and finance professionals. Our goal is to deliver fast execution and an unparalleled client experience. We bring our combined 35+ years of mortgage experience to deliver industry expertise with a personalized approach.
  • Moving forward in lifestyle
  • 220 University Ave, Pemberton, NJ, 08068
  • Moving forward Our process and program offers an easy and efficient way to help clients dispute negative items on their credit reports, build new accounts, and regain control of their futures and also Seasoned investors or new investors we can help you get the funds you need for investing.