USDA Vs. FHA your options comparison in Mercerville, Mercer County, NJ
In 2026, the USDA loan limit for Mercerville, within Mercer county in NJ, is $336,500. For a single-family home, the FHA limit is $472,030.
With the Lendersa® USDA loan calculator, you can compare today's top USDA and FHA rates, and determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to examine USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your particular financial needs in .
2026 Loan Limits and Downpayment Requirements in Mercerville, Mercer, NJ
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Options for USDA and FHA Loans in Mercerville, NJ
Lendersa® strives to provide you with the best USDA or FHA loan quickly and without hassle. Choose from three starting points to connect with lenders and explore USDA loan offerings.
A USDA home loan, guaranteed by the Department of Agriculture, also called a USDA rural development loan or mortgage, is available in rural areas only. Unlike FHA loans which require a 3.5% minimum down payment, USDA loans require none.
First Bank is all about returning to banking basics. As a locally-owned and operated community bank, we pride ourselves on great customer service that is highly personalized, efficient and responsive to local needs. On April 23, 2007, First Bank commenced operations at its office at 1229 South Black Horse Pike in Williamstown, NJ.
Mercer County NJ Teachers’ Federal Credit Union (MCNJTFCU) is a member-owned, not-for-profit financial cooperative dedicated to providing quality financial products and services and delivering them professionally and courteously. Unlike other financial institutions that need to generate profits to satisfy stockholders.
The Central Jersey Police & Fire Federal Credit Union is proud to be a member-owned, not-for-profit financial cooperative dedicated to serving its members. Our motto is “People Helping People.” We are all working together to help each other meet our individual financial goals. The credit union is a nonprofit, cooperative financial institution.
To become a member of First Point Federal Credit Union you must be employed by one of our Select Employee Groups (SEGs) or if someone in your immediate family or household is currently a member of the Credit Union. An immediate family member includes a spouse, child, parent, brother or sister, grandparent or grandchild.
3535 Quakerbridge Road, Suite 600, Hamilton Township, NJ, 08619
Lends in New Jersey
Hamilton Horizons offers a wide variety of convenient, money saving products and services that are designed to meet all your financial needs. These products include high-yield savings and investment accounts, low-interest loans, and numerous services that let you conduct your financial business when it’s convenient for you.
Creative Hard Money LLC is a trusted hard money rehab loan lender in New York and Pennsylvania. We aim to serve our customers and our clients and help them in dealing with their concerns on business, commercial land mortgages and hard money rehab loans; a lender with the best and most knowledgeable people to serve your mortgage and financing needs.
The Postal Employees’ Credit Union was established in 1928 as a state chartered credit union to serve the financial needs of federal employees. Our members are our owners, of which we have approximately 2, 400. The membership is represented by seven currently employed postal employees who direct the operation of the credit union for the benefit.
The New Jersey Law & Public Safety Credit Union is dedicated to helping those who serve us, their families & the surrounding communities. Please come back often and check out what we’re up to. Membership in N.J.L.& PS Credit Union is limited to employees and retirees of the Office of Law and Public Safety.
