USDA VS FHA in Netcong, Morris County, NJ

In 2026, the USDA loan limit for Netcong, situated in Morris County, NJ, is $776,600, whereas the FHA limit for a single-family residence is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare the current best rates between USDA and FHA. Determine the necessary income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA programs side by side, helping you select the most suitable program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Netcong, Morris County, NJ

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Explore USDA and FHA Loan Options in Netcong, NJ

The mission of Lendersa® is to swiftly provide you with an exceptional USDA or FHA loan experience. Select one of three initial methods to find matching lenders and USDA loan programs.

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Understanding USDA Loans in NJ

A USDA home loan, which is guaranteed by the United States Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA loans require no down payment.

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



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  • Our Mission, “Big enough to serve you, small enough to know you, ” is more than a statement for our team. We like to use the term family, because we live in these communities and our customers are a part of our family. We owe all of our success to the communities we serve each and every day.

  • H.I.P. Mortgage Co.
  • 1590 Adamson Parkway, Suite 120, Atlanta, GA, 30360
  • Shiba Robinson a dedicated mortgage professional that has worked on both ends of the spectrum. Shiba believe that together, true professionals are capable of anything! My goal is to make the dream of home ownership come true for YOU. Working hard and fixing problems is my specialty. Let me put in some work for you and we can be successful together!

  • Capital Financial Group
  • 2471 W. Sullivan Road, Aurora, IL, 60506
  • Our mission is to deliver excellent service and provide you with an extraordinary experience. At Capital Financial Group, a Division of First Centennial Mortgage, we believe the home purchase and finance process should be exciting, enjoyable and exceptional in every sense. In business since 1995.

  • Goldwater Home Loans Inc
  • 1755 East Park Place Blvd, Stone Mountain, GA, 30087
  • Goldwater is an experienced mortgage brokerage in Atlanta, providing quality guidance and affordable loan options that meet every homebuyer’s needs. The key to our success has been a combination of consistently offering the lowest possible rates along with giving our clients outstanding customer service.

  • First American Financial Mortgage Corp
  • 7302 Wood Hollow Way, Stone Mountain, GA, 30087
  • We’re a full service mortgage lender with an exceptionally experienced staff offering expertise in every area of mortgage finance and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and cost-to meet your unique needs. But that’s just the beginning of our service.

  • Inlanta Mortgage - Jesse Koch
  • W239 N3490 Pewaukee Rd, Suite 200, Pewaukee, WI, 53072
  • We’ve always done more at Inlanta Mortgage. We don’t just provide great loans—we strive to make our customers, our employees and our referral partners feel special. Since our start in 1993, we’ve been steadfast in our commitment to always go above and beyond the expected, and to deliver a better, simpler mortgage experience.

  • Commonwealth Mortgage Group
  • 325 Oakton Avenue, Suite 101, Pewaukee, WI, 53072
  • Commonwealth Mortgage Group, assisting clients obtain a mortgage loan is our core business, enabling us to focus on providing every client with outstanding customer service. Our goal is to expedite and streamline your loan process, educate you, customize your loan program to meet your financial goals, and become your mortgage resource for life.

  • AK Capital Finance
  • 353 Forest Grove Dr, Pewaukee, WI, 53072
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  • Diamond Valley Federal Credit Union
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  • Diamond Valley Federal Credit Union is a full-service financial institution and deposits are insured by the NCUA up to $250,000. Our members own Diamond Valley Federal Credit Union so we have no outside stockholders and our Board of Directors are volunteers. Diamond Valley is not-for-profit so we can return profit back to the members