USDA Vs. FHA your options comparison in New-Providence, Union County, NJ

In 2025, within New-Providence in Union county, NJ, the USDA loan limit is $0, while the FHA limit for a single-family home stands at $822,375.

Utilize the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates. Determine your eligibility by considering income, credit, reserves, and necessary documents. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side, providing valuable insights for selecting the best program for your financial needs in .

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2025 Loan Limits and Downpayment Information in New-Providence, Union, NJ

Loan Type Max Loan Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conforming Conventional $822,375 3%

USDA and FHA Loan Opportunities in New-Providence, NJ

The aim of Lendersa® is to quickly and effortlessly secure the best USDA or FHA loan for you. Choose from three starting options to connect with lenders and discover USDA loan programs.

Lendersa USDA loan requests and results

Understanding the USDA Loan in NJ

The USDA home loan, otherwise known as a USDA rural development loan or USDA mortgage, is a government-guaranteed loan from the Department of Agriculture, accessible only in rural areas. Contrasting with FHA loans that demand a minimal 3.5% down payment, USDA mortgages require none.

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



  • The Texas Mortgage Pros
  • 4819 Williams Drive, Georgetown, TX, 78633
  • The Texas Mortgage Pros team consists of mortgage professionals all over Texas. We are committed to providing our clients with the highest quality service for your mortgage needs. Combined with the lowest rate and multiple loan programs available in your area – Spring, San Antonio, Tomball, The Woodlands, Dallas, Austin and Houston, Texas.
  • First Texas Bank
  • 900 Austin Avenue, Georgetown, TX, 78627
  • From our 1898 beginning, First Texas Bank has been providing service and care to our communities. Our promise is to provide consistency and dedication, ensuring that each customer feels like family. Our number one priority is confidentiality and security. The loyalty from the members of the communities is something we do not take for granted.
  • Dacotah Federal Credit Union
  • 2990 E Highway 44, Rapid City, SD, 57703
  • Since its inception in 1950 the Dacotah Federal Credit Union has been serving its members in the Rapid City, South Dakota area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages.
  • Bank of the Panhandle
  • 1223 North Main St., Guymon, OK, 73942
  • Bank of the Panhandle is a community bank. Since 1976 we have been serving the needs of Guymon and the surrounding panhandle region. You'll find our officers and employees efficient, knowledgeable and caring people who will listen to customers needs. Bank of the Panhandle is a strong, independent bank serving the needs of Guymon and the Panhandle.
  • Anchor D Bank
  • 1913 N. Hwy 64, Guymon, OK, 73942
  • Anchor D Bank has 5 offices located in the Oklahoma / Texas Panhandle. Anchor D Bank is a closely held, family owned bank. Constent, quality service is the focus of our organization. The ownership, and employees, are committed to remaining an independent bank with our focus on the communities and customers we serve.
  • Home Inspired Lending LLC
  • 5508 Sabbia Cove, Round Rock, TX, 78665
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • JNC Mortgage Company
  • 8105 Porto Cove, Round Rock, TX, 78665
  • JNC Mortgage is an incorporated full service mortgage company which has been providing home loans for first time buyers and growing families since 1998. At JNC Mortgage our residential mortgage experts specialize in helping you find the best loan available that fits your family's.
  • The First National Bank of Bastrop
  • 489 Highway 71 W, Bastrop, TX, 78602
  • The arrival of the railroad in Bastrop during the 1880s injected a fresh spirit of progress in the community. This economic upswing opened the way for three forward thinking venture capitalists to open Bastrop County Bank, which was soon bought out by local business men and renamed The First National Bank of Bastrop in August of 1889.
  • Mortgage Wizards
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  • Eddie Fooshang Mortgage Team
  • 1490 Rusk Rd, Suite 401, Round Rock, TX, 78664
  • Eddie Fooshang is a Residential Mortgage Loan Originator. As a teen age boy in Egypt, he was fascinated with America through his favorite show “Walker Texas Ranger”. He dreamt of the day he would move to the USA, & specifically Texas to live the American Dream! His love for America and the American dream made him so passionate about home ownership.