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

In 2025, the USDA loan limit for Lawrenceville, located in Mercer county, NJ, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare the best rates available today for USDA versus FHA loans. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding the best program in for your specific financial needs.

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2025 Loan Limits and Down Payment Requirements in Lawrenceville, Mercer, NJ

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

USDA and FHA Loan Options in Lawrenceville, NJ

Lendersa® is committed to securing the best possible USDA or FHA loan efficiently and without hassle. Choose one of three pathways to find matching lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

The USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. In contrast to FHA loans, which need a minimum 3.5% down payment, USDA loans require no down payment, offering a unique zero-down option.

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



  • Baybank
  • 104 South Tenth Street, Gladstone, MI, 49837
  • We are a community owned and operated bank serving Delta County in Michigan's beautiful Upper Peninsula. Baybank Corporation is located in Gladstone, MI, United States and is part of the Depository Credit Intermediation Industry. Baybank Corporation has 32 total employees across all of its locations
  • First Bank, MI
  • 1400 Delta Avenue, Gladstone, MI, 49837
  • First National Bank in Gladstone was established on August 14, 1916. Five years later, a quote from the "Delta County Reporter" reflected on the bank's practice of "modern banking methods in which the public is given the benefits of all accommodations in which safety and conservative management will permit.
  • Teutopolis State Bank
  • 106 East Main St., Teutopolis, IL, 62467
  • Since our inception on October 4th 1913, Teutopolis State Bank has been a fixture on Main Street in Teutopolis, Illinois. Over the years, we have helped local businesses, individuals, and families develop, grow, and sustain prosperity through our wide range of financial services.
  • Dieterich Bank
  • 101 S Main St, Dieterich, IL, 62424
  • We are a community bank, with community values. Our employees are your friends and neighbors, which is why we are so passionate about helping our customers and the communities we serve. Live for Today. Bank for Tomorrow. We’ve served the people of Illinois for over 100 years. Now, the good people of Edwardsville are also in those ranks!
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  • First Commerce Bank was the dream of a group of local people who saw the need for a locally owned, locally managed community bank. With the help of over 1,000 shareholders, that dream became a reality on December 2, 2002. Our goal is to provide our community with competitive banking products that meet our customers' needs.
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  • 43 Jefferson Parkway, Newnan, GA, 30263
  • Coweta Cities & County Employees Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
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  • 1 South Main Street, Sullivan, IL, 61951
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  • Farmers & Merchants Bank & Trust.
  • 1644 Ludington Street, Marinette, WI, 54143
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  • 1514 Cleveland Avenue, Marinette, WI, 54143
  • Our Credit Union expanded from the closed industrial-chartered credit union established in 1953 to an open community-charted Credit Union serving anyone living or working in Marinette and Oconto Wisconsin Counties and Menominee Michigan County. The Credit Union’s original name, Ansul Employees Credit Union