USDA Vs. FHA Pro and Con comparison in Pequannock, Morris County, NJ

In 2025, the USDA loan limit for Pequannock in Morris, NJ, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates and determine the necessary income, credit score, reserves, and documents required for qualification. This advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side, helping decide which program in best fits your financial situation.

Compare loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2025 in Pequannock, Morris, NJ

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

USDA and FHA Loan Options in Pequannock, NJ

The goal of Lendersa® is to quickly offer you the best USDA or FHA loan without hassle. Choose one of the three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.

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



  • EXPRESS LENDING SERVICES, INC.
  • 2111 N. Commerce Parkway, Fort Lauderdale, FL, 33326
  • Express Lending Services is a mortgage company that is founded with over 28 years of Industry Experience. The company’s CORE Values are centered on providing exceptional client experience to both our mortgage clients and business partners. We've been helping customers afford the home of their dreams for many years and we love what we do.
  • Mortgage Advantage Lending
  • 745 Shotgun Road, Fort Lauderdale, FL, 33326
  • Mortgage Advantage Lending is a full-service mortgage lender serving the states of Florida and Connecticut. Our professionals have decades of combined experience in the prime, non-prime and government mortgage industries. With a direct relationship with the top lending institutions in the country,
  • Florida Mortgage Solutions Group
  • 1625 North Commerce Parkway Suite 105, Weston, FL, 33326
  • Florida Mortgage Solutions Group is Direct Lender and Mortgage Broker in Weston, FL. We provide financing to home buyers and seasoned investors! We are approved and experienced with FHA Loans, Fannie Mae, Freddie Mac, and especially VA Loans. We are here to help you from beginning to the end. Our wholesale rates and competitive pricing.
  • Prime Lenders Mortgage Corp.
  • 1555 North Park Drive Suite 102, Weston, FL, 33326
  • Prime Lenders is celebrating 20 years in business! We have been successfully helping Florida Home Buyers with finding the perfect Home Financing Solutions since 1993. Rated A+ by the Better Business Bureau, Glenn Gordon and his team will provide service with Honesty, Reliability and Integrity.
  • HG Mortgage LLC
  • 1820 N Corporate Lakes Blvd. Ste 304, Fort Lauderdale, FL, 33326
  • At HG Mortgage our vision is to become the industry lender of choice among homeowners. To be regarded as the most reliable, caring and goal oriented Mortgage Company by providing quality service and building personalized relationships based on the value we bring to our clients. HG Mortgage is a company led by professionals like Hermes Garcia.
  • Angel Oak Home Loans
  • 1950 N. Commerce Parkway, Suite 6, Weston, FL, 33326
  • Angel Oak Home Loans is a national mortgage lender based in Atlanta, GA providing innovative mortgage products tailored to borrowers'​ home financing needs. Angel Oak’s lending practice was founded upon core principals of providing consumers with a variety of mortgage products that are tailored to meet their home financing needs.
  • CORNERSTONE BANK CLARINDA, IA
  • 123 East Main St, Clarinda, IA, 51632
  • Cornerstone Bank in Clarinda Iowa is a full service bank. We have many banking services to provide to southwest iowa and the surrounding areas. Cornerstone Bank offers Personal Banking, Business Banking, Telebanking, and Online Banking. We offer a variety of loan products that fit your needs.
  • Suncoast Property Rehabs, INC
  • 4424 SW 72nd Terr, Davie, FL, 33314
  • Suncoast Property Rehabs, INC is your trusted partner in real estate finance, offering unparalleled expertise in hard money brokerage. With specialization in fix-and-flip, DSCR, and mixed-use loans, we connect investors with reliable lenders. Our team ensures your projects, from construction to rehabilitation, meet timelines and budgetary needs eff