USDA Vs. FHA Pro and Con comparison in Milltown, Middlesex County, NJ

In 2025, the USDA loan limit for Milltown in Middlesex County, NJ, is set at $776,600. In contrast, the FHA loan limit for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to effectively compare today's best USDA versus FHA rates. Determine the income, credit rating, reserves, and documentation required to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most suitable program for your financial circumstances, especially if you are in .

Explore loan offers from a network of 100 lenders

2025 Loan Limits and Downpayment Requirements in Milltown, Middlesex County, 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 Milltown, NJ

Lendersa® aims to seamlessly provide you with the most suitable USDA or FHA loan, eliminating unnecessary hassle. Select one of three pathways to align with lenders and access USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, insured by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is available specifically in rural areas. Unlike FHA loans, which have a minimum 3.5% down payment requirement, USDA mortgages demand no down payment, making homeownership more accessible to rural buyers.

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



  • Jiwani Financial Group
  • 4156 Comanche Dr, Carrollton, TX, 75010
  • Jiwani Financial Group was established in 2006 and since then we are successfully meeting the objective of helping small and medium size businesses - all over the United States - to acquire Business Loans, Commercial Lines of Credit and Consultancy at most competitive rates and the best suited terms.
  • Homefinity
  • 1800 Golden Trail, Carrollton, TX, 75010
  • "At Homefinity, we understand that your home loan needs to be as unique as your home life. Whether you want a fast and convenient process or in-depth guidance, you need someone who can help you move through the process at your pace. With decades of combined experience, our nationwide professionals will coach you through your home investment."
  • Financial Consultants Network LLC
  • 4099 McEwen Road, #564, Farmers Branch, TX, 75244
  • At Financial Consultants Network LLC, our expertise as premier Mortgage Advisors and Planners sets us apart. We specialize in integrating mortgage solutions with your long-term financial goals, emphasizing a personal approach due to our 100% referral-based business model. Whether acquiring a primary, investment, or commercial property, we craft tai
  • Peoples State Bank
  • 5850 Highway 59 South, Shepherd, TX, 77371
  • Peoples State Bank is a community bank that has been serving the Lake Livingston Area since 1921. In January 1986 the bank was purchased by AmTex Bancshares, Inc, a bank holding company located in Orange, Texas. Peoples State Bank’s main location is headquartered in Shepherd, with branch location in Coldspring and Livingston.
  • VA Lending Group, LLC.
  • 4001 McEwen Rd, Suite 420, Dallas, TX, 75244
  • We began working with more and more veterans & became aware that there was a new feeling around the office. My team & I began to notice an influx of meaning & purpose behind our actions. It was not just helping someone refinance or purchase their home, but was helping someone who has already helped keep us & our family safe.
  • TEXASLENDING.COM
  • 4100 Alpha Rd, Suite 300, Dallas, TX, 75244
  • TexasLending.com is a family-owned business based in Dallas, Texas. Since 2001, TexasLending.com CEO Kevin Miller has guided customer service, company growth, and expertise in mortgage with three principles integrity, dignity, and expertise. Whether client, vendor, or employee, everybody who does business with TexasLending.com.
  • Josh Quinn Mortgage
  • 5001 Spring Valley Road, Suite 500W, Dallas, TX, 75244
  • Josh Quinn - NMLS# 176904. Whether you’re ready to purchase your home or refinance, I’m here to help guide you through the process. I offer smart, affordable loan options to help you achieve your goals. I work with everyone from first time buyers to seasoned investors. I have over 10 years of mortgage origination experience.
  • Oakwood Bank TX
  • 8411 Preston Road, Suite 106, Dallas, TX, 75225
  • Serving Texans since 1900, Oakwood State Bank was charted in Oakwood, Texas. 116 years later, it had the distinction of being the Smallest Bank in the United States.... Until a group of seasoned and very experienced bankers came together with a business plan to raise capital from investors, acquire the bank in Oakwood.