USDA and FHA Pro and Con in Liberty, Warren County, NJ

For 2026 in Liberty, within Warren, NJ, the USDA loan cap is $336,500. The FHA limit for a single-family home stands at $472,030.

Utilize Lendersa®'s USDA loan calculator to compare the best current rates of USDA versus FHA, and figure out the needed income, credit, reserves, and documents to qualify. Our sophisticated mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best program for your unique financial situation in .

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2026 Loan Limits and Down Payment Requirements in Liberty, Warren, 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 Alternatives in Liberty, NJ

Lendersa® seeks to promptly connect you with ideal USDA or FHA loans with minimum hassle. Begin with any of the three options to find matching lenders and USDA loan opportunities.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA mortgage, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans demanding at least a 3.5% down payment, USDA loans require none.

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



  • Stress Less Mortgage
  • 11130 SE 36th Ave, Belleview, FL, 34420
  • "We help take the Stress out of the Mortgage process. Purchases, Refinance, Investor specials. Free consultation, low rates with fast Stress Less Closings.
    Experienced Owner with a demonstrated history of working in the mortgage industry. Skilled in Sales, Risk Management, and Training."

  • Meridian Credit Union
  • 1206 N Jefferson Street, Ottumwa, IA, 52501
  • Meridian Credit Union is a not-for-profit, member-owned financial cooperative that exists to serve its members. Being a not-for-profit cooperative means we return a portion of earnings back to our members by offering competitive rates on deposits & loans. Meridian Credit Union provides a safe place to save & borrow money.

  • South Ottumwa Savings Bank
  • 320 Church Street, Ottumwa, IA, 52501
  • South Ottumwa Savings Bank has grown from a simple currency exchange to a full-service financial institution with acquired offices of Hedrick Savings Bank in 2011, West Liberty State Bank in 2015 and Peoples State Bank in 2020. A community bank, with decisions made locally by people who know the community and surrounding areas.

  • Community 1st Credit Union
  • 235 Richmond Ave, Ottumwa, IA, 52501
  • Community 1st Credit Union is a Not-For-Profit financial cooperative that has been serving members for over 85 years. From a humble beginning, we have grown to serve over 60, 000 members. As a Not-For-Profit financial institution, we give returns to our members in higher savings rates, better services, and lower borrowing rates.

  • Memphis Municipal EFCU
  • 577 Dr Martin Luther King Jr Avenue, Memphis, TN, 38126
  • Memphis Municipal Employees Federal Credit Union provides and promotes the use of a variety of financial services which feature particular benefits and advantages over those generally available from other banking sources, with the specific intent of helping members gain some particular measure of personal financial success.

  • CN/IC Employees Credit Union
  • 2005 Nonconnah Boulevard, Suite 7, Memphis, TN, 38132
  • CN/IC Employees Credit Union strives to be the lifetime financial partner of our member-owners.

    CN/IC Employees Credit Union will be distinguished within the industry as a secure and growing organization which owes its success to constant attention to its members’ needs and expectations.

  • Shelby County Federal Credit Union
  • 160 North Main Street, Suite 401, Memphis, TN, 38103
  • Chartered in 1961, Shelby County Federal Credit Union is a financially sound, full-service financial institution that offers competitive services for our members. We have two convenient full-service branches with helpful, courteous Member Service Representatives to help our members.

  • NiceLoans!
  • 65 Monroe Avenue, Memphis, TN, 38103
  • NiceLoans, offers our customers a convenient way to get a loan in today’s fast paced world. Starting with nine brick and mortar stores in Tennessee, we provide our customers with a quick and easy loan application process and a team of loan experts there to answer any questions you may have.

  • Orion FCU
  • 400 Monroe Ave., Memphis, TN, 38103
  • Orion Federal Credit Union has grown to become one of the largest credit unions in the Mid-South with more than 70, 000 members and nearly $1 billion in assets. Orion offers a full spectrum of banking options ranging from savings and checking accounts to home, auto, and personal loans, along with commercial real estate

  • My Nice Mortgage
  • 7167 Southwest Highway, Suite 200, Ocala, FL, 34476
  • 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.

  • Legends Bank of Missouri
  • 204 S. Alvarado, Belle, MO, 65013
  • What today is Legends Bank was established in 1913 in the community of Rich Fountain, Missouri, as the Rich Fountain Bank. It was one of the few banks in Osage County to survive the Great Depression. In fact, its move to Linn in 1936 was the result of the failure of all of the banks which had been operating in Linn.