USDA VS FHA in Mount-Olive, Morris County, NJ

2025 sees the USDA loan cap in Mount-Olive, within Morris of NJ, as $657,900, whereas the FHA limit for a single-family property is $822,375.

To analyze and evaluate current USDA and FHA rates, use the Lendersa® USDA loan calculator. It aids in identifying required income, credit, reserves, and documentation for eligibility. Our cutting-edge mortgage calculator provides a side-by-side comparative view of USDA, FHA, Conforming, and VA loans, helping you select the optimal program for your financial context in .

Examine loan proposals from 100 different lenders.

2025 loan limits and downpayment requirements in Mount-Olive, Morris, NJ

Type of Loan Loan Limit Minimum Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Options for USDA and FHA loans in Mount-Olive, NJ

The mission of Lendersa® is to secure the best USDA or FHA loan with speed and ease. Begin your path to matching with lenders and USDA loan programs by choosing one of three options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan is government-backed via the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, intended for rural locales only. Unlike FHA loans, which require a down payment of 3.5%, USDA mortgages necessitate no down payment.

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



  • PIONEER FINANCIAL SERVICES, INC
  • 2515 Cleveland Ave N, Canton, OH, 44709
  • Pioneer Financial Services Inc. is a locally owned and operated company serving all of Ohio. Founded in 2000, we were built on honesty, integrity, and personal service. We offer a wide variety of loan programs with fast and efficient service. Our knowledgeable staff has over 50 combined years of experience originating mortgage loans.
  • Gardiner Federal Credit Union
  • 420 Brunswick Avenue, Gardiner, ME, 04345
  • We are committed to lifelong financial relationships with our members and our communities, built on respect, integrity and trust. Gardiner Federal Credit Union is a not-for-profit financial cooperative established in 1953, we join in a time-honored tradition of providing financial services to our membership.
  • OTIS Federal Credit Union
  • 170 Main Street, Jay, ME, 04239
  • As a cooperative, not-for-profit financial institution, we are able to offer lower rates on loans, higher dividend rates on your accounts, fewer fees, and more flexible and personalized financial services to our members than our larger, for-profit competitors. That means more of your hard-earned money stays in your pocket, and in our community.
  • WES Credit Union
  • 38024 Second Street, Willoughby, OH, 44094
  • WES Credit Union received a state charter in 1954. The mission of the WES Credit Union is to provide the best service and the best rates possible to our members while maintaining a sound financial institution. WES Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standard
  • New Republic Savings Bank
  • 420 Becker Drive, Roanoke Rapids, NC, 27870
  • New Republic Bank provides clients with access to next-level financial solutions, customized lending and deposit services. Our seasoned professionals bring a deep knowledge of client needs. Our online banking, mobile apps and client teams provide convenience as well as consultative services.
  • Roanoke Rapids Savings Bank
  • 325 Becker Drive, Roanoke Rapids, NC, 27870
  • Roanoke Rapids Savings Bank is a mutual chartered bank. Our strength comes from our ability to focus on the banking needs of our customers, and not those of stockholders. The Bank was founded in 1914 as Roanoke Rapids Building and Loan with an office in downtown Roanoke Rapids. We are DEDICATED to our work and the clients we help each day.
  • First Ohio Community Federal Credit Union
  • 8200 Cleveland Avenue NW, North Canton, OH, 44720
  • The credit union was established on November 30, 1937 as the Hoover Employees Federal Credit Union. Thanks to progressive thinking by the Board of Directors, a community charter was obtained in 1980. This new charter opened the field of membership essentially to everyone living or employed in North Canton, Ohio.
  • The Peoples Savings Bank
  • 710 Second Street, New Matamoras, OH, 45767
  • Since 1911, The Peoples Savings Bank has been serving eastern Washington County, OH with a wide array of banking services. Chartered in 1911 as a commercial bank, The Peoples Savings Bank has flourished as a locally owned, independent community bank with strong ties to its heritage.
  • GenFed Financial Credit Union
  • 2492 Wedgewood Drive, Suite B, Akron, OH, 44312
  • GenFed Financial Credit Union is a not-for-profit financial institution that serves areas of Ohio, Illinois, and Indiana. We are owned by our account holders (also called members) and we exist for their benefit. Credit unions don’t have stockholders like banks and are able to return any profits to the members in the form of better rates, lower fees
  • Schmidt Mortgage Company - Randy Milani
  • 1953 Englewood Ave, Akron, OH, 44312
  • Schmidt Mortgage Company was originally established in 1940 as “Frank A. Schmidt & Son’s” in Cleveland, Ohio, originating and servicing residential and commercial real estate loans. It was incorporated in January, 1959. It is one of the first 100 lenders in the country to become approved as a seller / servicer of Fannie Mae.
  • St. Joseph's Federal Credit Union
  • 1811 Whipple Avenue NW, Canton, OH, 44708
  • St. Joseph’s Federal Credit Union was chartered on March 9th, 1942. 1942 marked the beginning of World War II and it was also the beginning of St. Joseph’s Federal Credit Union in January 1942. The nine members of St. Joseph’s Roman Catholic Parish in Canton, Ohio who chartered our credit union with Farm Credit Administration
  • DN Community Federal Credit Union
  • 3964 Fulton Drive NW, Canton, OH, 44718
  • DN Community Federal Credit Union was founded on June 24, 1954 as Diebold Employees Credit Union. The original field of membership included employees of the Canton and Malvern, Ohio plants of Diebold, Inc. and their immediate families. The credit union was organized with the purpose "to provide a convenient place for employees to save regularly