USDA Vs. FHA your options comparison in Panther-Valley, Warren County, NJ

In 2025, the USDA loan limit for Panther-Valley, located in the county of Warren, NJ, is $298,080, while the FHA limit for single-family homes is $372,600.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates. Assess necessary income, credit, reserves, and required documents to qualify. Our comprehensive mortgage calculator allows side-by-side viewing of USDA, FHA, Conforming, and VA loans, aiding your choice of the best program in for your financial circumstances.

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2025 Loan Limits and Down Payment Requirements in Panther-Valley, Warren, NJ

Loan Type Loan Limit Down Payment
USDA $298,080 0%
FHA $372,600 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Panther-Valley, NJ

The objective of Lendersa® is to swiftly connect you with the best USDA or FHA loan, free of hassle. Select from three starting paths to find compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

The USDA home loan, supported by the Department of Agriculture and commonly called a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans demand no such payment, offering an advantageous zero-down option.

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



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  • Prostaff Mortgage Corp. we have no hidden costs, no junk fees, and no surprises. We will take all of the confusion out of what is included in closing costs.Our low cost and low rate guarantee means you should not be able to get a better deal anywhere. and also We will always give you the straight scoop, return your calls, eliminate surprises.
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  • First Community Mortgage (FCM) opened its doors in 1988 as a division of First National Bank Texas. Since then, we have been working in tandem with our clients to turn their dream of buying a home into a reality. Formed with the mission to guide our customers, we aim at providing a mortgage loan that best fits their financial needs.
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