USDA and FHA Pro and Con in Mercerville, Mercer County, NJ

In 2025, USDA loan limit in Mercerville, county of Mercer, NJ is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Mercerville, county of 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 Mercerville, NJ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Jersey?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Elite Class Lending
  • 1492 W. Colorado Blvd, Suite 270, Pasadena, CA, 91105
  • Maria Teresa Isaza the sole owner and broker of Elite Class Realty Inc. She have more than 20 years of experience in this industry, with most of her business coming from a strong referral source She have built over the years, taking her all over Southern California. Maria have experience in both residential and commercial sales.
  • Showcase Investments, Inc.
  • PO Box 279, La Canada Flintridge, CA, 91012
  • Showcase Investments, Inc. is a California direct lender, helping borrowers when their bank says “no” or is just too slow. We are licensed to secure our loans by only California real property, with most of our loans being secured by either non-owner occupied or owner-occupied residential properties. Although there are situations.
  • American Mortgage Alliance Company
  • 12110 Slauson Ave, Santa Fe Springs, CA, 90670
  • We offer a complete range of conforming, non-conforming and government loan programs, as well as a variety of options to help your family successfully budget your mortgage through highly experienced loan consultants utilizing the most innovative technology available. We are committed to customer satisfaction.
  • Priority One Credit Union
  • 1631 Huntington Dr, South Pasadena, CA, 91030
  • Our mission To help our member-owners and employees achieve financial fitness. We are committed to providing quality products and services that help you win with money We are proud to say that your Credit Union is financially strong and has a great future.We wonder if the first 17 members ever envisioned that we would grow to become a $207 million.
  • Huntington Group
  • 305 Pasadena Avenue South, South Pasadena, CA, 91030
  • Huntington Group is A Full Service Real Estate and Mortgage Company. Huntington Group seeks to assist potential clients with prequalification, Real Estate and mortgage services. In addition, Huntington Group can assist potential clients with Bridge or Hard Money Financing. Huntington Group serves all of Southern California.
  • Acacia Mortgage Corporation
  • 815 Fair Oaks Ave, South Pasadena, CA, 91030
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs & most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
  • Huntington Mortgage
  • 305 Pasadena Avenue South, South Pasadena, CA, 91030
  • Huntington Mortgage is your premier mortgage team located in South Pasadena, California. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the State of California.
  • Journey Mortgage Advisors, Inc
  • 99 Pasadena Avenue, Suite 10C-A, South Pasadena, CA, 91030
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Equity Smart Home Loans
  • 1499 Huntington Dr, Suite 500, South Pasadena, CA, 91030
  • We believe that life is all about the journey. Buying a home is the start of an exciting beginning that leads to financial independence & personal fulfillment. However making the right choice isn’t so obvious. We help by making the loan process simple and easy to understand so that getting a loan or refinance is just another step