USDA Vs. FHA your options comparison in Mendham, Morris County, NJ

In the year 2025, the USDA loan limit within Mendham, located in Morris county, NJ, is set at $776,600, while for a single-family home, the FHA limit stands at $1,089,300.

Utilize the Lendersa® USDA loan calculator to assess current USDA versus FHA rates and determine the income, credit, reserves, and documentation necessary to qualify. With our state-of-the-art mortgage calculator, you're able to compare USDA, FHA, Conforming, and VA all in one view, assisting you in deciding the most favorable program for your financial situation in .

View loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements for Mendham, Morris County, NJ

Loan Type Loan Limit Downpayment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Options for USDA and FHA Loans in Mendham, NJ

The mission of Lendersa® is to swiftly provide you with the most suitable USDA or FHA loan seamlessly. By selecting one of three initiating steps, you can find compatible lenders and USDA loan plans efficiently.

Lendersa USDA loan inquiry and results

Understanding USDA Loans in NJ

A USDA home loan, endorsed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is specially available in rural areas. In contrast to FHA loans that require a down payment of at least 3.5%, USDA loans eliminate the need for any down payment.

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



  • Talimar Financial
  • 16880 West Bernardo Drive, #140, San Diego, CA, 92127
  • TaliMar Financial is a California hard money lender that specializes in financing short term residential and commercial private money estate loans. We are currently focused on a providing capital for fix and flip, construction, and bridge loans. For more information on our lending programs.
  • Clackamas County Bank
  • 38975 Proctor Blvd., Sandy, OR, 97055
  • To be a locally owned, independent community bank, dedicated to delivering high-quality personalized banking services to our customers and to our communities while maintaining a sound, profitable investment for our shareholders. We are a full-service bank in the Sandy, Welches, Boring & Gresham area.
  • Greene Light Mortgage Solutions
  • 1075 Bonita Avenue, La Verne, CA, 91750
  • Greene Light. We are different here. We don't play games. Our goal is simply to provide you with the lowest possible interest rates and costs. We pledge to help you overcome roadblocks that can arise while securing a loan. Homeownership is within reach. Some even qualify with no down payment! Green means GO at Greene Light.
  • Spec Home Loans
  • 1246 Oakmead Lane, La Verne, CA, 91750
  • Spec Home Loans was established in 2006 by Southern California native Brian Barre, an accomplished business leader with extensive knowledge and experience in the real estate and mortgage industries. After spending the first part of his professional career as a Loan Officer, Brian decided to venture out on his own.
  • Equinox financial
  • 5557 Bluejay Street, La Verne, CA, 91750
  • We've been helping customers afford the home of their dreams for many years and we love what we do. We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. Customer service is very important to all of us. As we continue to improve and expand our services
  • Evans Financial Network
  • 615 Smoketree Drive, La Verne, CA, 91750
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with top professionals who is able to give you quick and accurate financial advice. Our experienced loan officers
  • First Priority Capital
  • 3197 Peyton Road, La Verne, CA, 91750
  • First Priority Capital is committed to providing its customers throughout the state of California with some of the best mortgage rates and the lowest fees in the industry. We have streamlined the entire mortgage process to make it faster and more efficient.Our entire team is devoted to our commitment of providing only exceptional service.
  • GMA Real Estate Services Inc
  • 1403 Foothill Boulevard, Suite E, La Verne, CA, 91750
  • GMA Real Estate has been representing clients in La Verne, Claremont, San Dimas and throughout Southern California for over 20 years. Having worked previously as a mortgage underwriter, Patricia has the knowledge to help buyers obtain the right mortgage for them. Having a strong mortgage background also helps ensure our sellers.
  • Kitsap Credit Union
  • 155 Washington Avenue, Bremerton, WA, 98337
  • Kitsap Credit Union has a unique culture that is infectious among its employees. We create a safe, fun, and friendly working environment where all employees are valued. To help support our mission of members joining together to build a stronger community, KCU employees are often volunteering in the community or at community events.