USDA and FHA Pro and Con in Kenilworth, Union County, NJ

In 2025, the USDA loan limit for Kenilworth, located in Union county, NJ, is $0. Meanwhile, the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. Determine your eligibility by examining required income, credit, reserves, and documentation. Through our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program for your financial needs in .

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Kenilworth, Union, NJ

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Options for USDA and FHA Loans in Kenilworth, NJ

The aim of Lendersa® is to connect you with the best possible USDA or FHA loan quickly and without hassle. Start with one of three initial approaches that align lenders and USDA loan programs to your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, secured by the government Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans necessitate no down payment at all.

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



  • Wanigas Credit Union
  • 1837 Bagley Street, Saginaw, MI, 48601
  • Wanigas Credit Union is a member-owned financial cooperative dedicated to providing a full range of quality financial products and services that meet the ever-changing needs of our membership. Services like mobile banking that include mobile loan applications, mobile check deposit, mobile bill pay and more.
  • Horizon Credit Union TN
  • 1201 N Eastman Road, Kingsport, TN, 37664
  • Horizon Credit Union is a member-owned financial institution in which its members can deposit and borrow money at better rates. They also have a voice in the operations via the election of a Board of Directors. The Board of Directors’ responsibility is to govern the direction of the credit union in regards to investments, loan and service products.
  • Citizens Bank & Trust Co. of Jackson
  • 720 Hwy 15 South, Jackson, KY, 41339
  • Citizens Bank & Trust Co. was established in 1962 to provide the highest quality of banking services for the citizens of Breathitt and surrounding counties. As co-founder Circuit Judge Ervine Turner said, "A good bank dedicated to the service of the little man and his financial needs
  • Team One Credit Union
  • 520 Hayden Street, Saginaw, MI, 48607
  • Team One Credit Union was originally organized by a group of 15 teachers as Saginaw Teachers Club Credit Union in 1935. Formed to fill a need as a place where teachers could receive financial assistance at reasonable rates, the purpose of this credit union was, and is, to encourage thrift (savings) among our members.
  • Franklin Mortgage Solutions
  • 10 Fairway Dr, Springboro, OH, 45066
  • Headquartered in Springboro, Ohio, Franklin Mortgage Solutions specializes in mortgage refinance and home loans throughout the states of Alabama, Arkansas, Florida, Kentucky, Ohio, South Carolina, & Tennessee. Franklin Mortgage Solutions is a local mortgage broker offering a wide variety of home loan programs.
  • Kentwood Mortgage, Inc.
  • 610 N. Main Street, Springboro, OH, 45066
  • Kentwood Mortgage, Inc our Goal is people's dreams come true and that makes us very proud. We're proud each time we lend someone the money they need, especially if they've been turned away by another lender. We're proud knowing that our Home Equity loans have allowed a child to go to college or a beloved home to be improved.
  • uMortgage Solutions, LLC.
  • 8412 New Town Rd B, Waxhaw, NC, 28173
  • Umortgage Solutions LLC is located in Waxhaw, NC, United States and is part of the Activities Related to Credit Intermediation Industry. With over 25 years of combined experience in the mortgage industry, our Loan Officers have helped over 1600 families purchase or refinance their home.
  • Lithium Federal Credit Union
  • 1111 Bessemer City Kings Mountain Highway, Bessemer City, NC, 28016
  • The organizational meeting of LCA Federal Credit Union was held on December 17, 1956. Thirty eight potential members attended along with the nine members that incorporated the credit union idea. Officers were elected and guidelines were established. The first Directors meeting was held immediately after the organizational meeting.
  • Bank of Tennessee
  • 301 E Center St, Kingsport, TN, 37660
  • Our mission is to provide an uncompromising customer experience, featuring just-right-for-you products, delivered in the most modern channels, and powered by a talented team of friendly and knowledgeable people who go above and beyond to deliver touches that people don’t expect from a Bank.