USDA Vs. FHA your options 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 .

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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?



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  • Concord Mortgage, Inc.
  • 430 W Main St, Brighton, MI, 48116
  • Concord Mortgage, Inc. is a Michigan-licensed mortgage broker and lender.Our staff consists of highly experienced mortgage professionals with many years of experience in the mortgage industry.Concord Mortgage, Inc. was established in 1994. We have been located on Main Street in Downtown Brighton, Michigan since 1995.
  • National Lending Pro
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  • Uwharrie Bank
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  • Uwharrie Bank exists for the same reasons that any bank exists. But our story is so much more than that. We’re more than a collection of services and accounts. We’re people. We’re conversations. We’re ears to listen and hearts full of helpful advice. We believe that by doing our jobs just a little bit better