USDA Vs. FHA your options comparison in Metuchen, Middlesex County, NJ
In the year 2025, the USDA loan limit in the city of Metuchen, located in the county of Middlesex, NJ, is set at $776,600. For comparison, the FHA limit for a single-family residence is $1,089,300.
Utilize the Lendersa® USDA loan calculator to analyze current USDA versus FHA rates and identify the necessary income, credit score, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you'll be able to view side-by-side comparisons of USDA, FHA, Conforming, and VA loans, helping you decide which program in suits your financial status best.
Loan limits and down payment requirements for 2025 in Metuchen, county of Middlesex, NJ
Loan Type
Loan Limit
Down payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA loan options in Metuchen, NJ
Lendersa® is committed to securing the best USDA or FHA loan for you swiftly and effortlessly. You can launch your inquiry from one of three points, which lead to finding lenders and USDA loan programs.
The USDA home loan, endorsed by the U.S. Department of Agriculture—also known as the USDA rural development loan or USDA mortgage—is intended for rural areas. Unlike the FHA loans, which mandate at least a 3.5% down payment, the USDA mortgage loan requires no down payment.
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