USDA Vs. FHA Pro and Con comparison in Phillipsburg, Warren County, NJ
In the year 2025, if you are in Phillipsburg, located within Warren county, NJ, the USDA loan cap is set at $336,500, while the FHA loan cap reaches $472,030 for single-family homes.
Utilize the Lendersa® USDA loan calculator to evaluate the current best rates for USDA versus FHA. This will assist you in understanding the income, credit, reserve requirements, and paperwork needed for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side-by-side, aiding in finding the most suitable program for your unique financial needs in .
2025 Loan Limits and Down Payment Needs in Phillipsburg, Warren, NJ
Type of Loan
Maximum Loan Limit
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
USDA and FHA Loan Alternatives in Phillipsburg, NJ
The aim of Lendersa® is to secure you the best USDA or FHA loan swiftly and seamlessly. Opt for one of three starting choices, each ensuring a match with lenders and USDA loan programs.
A USDA home loan is a government-backed offer from the Department of Agriculture, commonly referred to as a USDA rural development loan or simply a USDA mortgage, and is exclusive to rural areas. Contrasting with FHA loans which require at least a 3.5% down payment, the USDA mortgage requires none.
Community National Bank, established in 1984, continues to expand upon our original mission to provide a strong, locally owned, community bank. CNB distinguishes ourselves through a focused dedication to the success of the the DFW, Midland, Odessa, & Stanton communities by providing outstanding customer experiences to those we are honored to serve.
17705 Road 2 Building, Suite 2, Aguadilla, PR, 00603
Since 1964, Oriental has thrived as one of Puerto Rico’s leading banks focused on serving the needs of consumers, businesses, and institutions. With multiple branches throughout the island, it has the second-largest network, and is the third-largest financial institution in core retail and commercial deposits.
Legacy Bank is a community bank that looks at financial transactions differently than large commercial conglomerates. We get to know our customers at a personal level, allowing us to serve our customers more efficiently. Legacy Bank knows our customers by name. Our character and family values make us a trusted banking partner
Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal loan.
At MTCU, our mission statement guides every action we take and decision we make. We believe in the power of defining our purpose. We've always been dedicated to our members, whether they live in Midland, Texas, or other communities, and our mission statement serves as a daily reminder that they are our priority.
Members Financial FCU was federally chartered in 1940 and began providing a very limited array of financial services to a handful of employees at Shell Oil Company here in the Permian Basin. In 2008, we acquired Sid Richardson CU and we continue to grow. Offering many products and services, Members Financial FCU is now YOUR community credit union.
Heritage USA Federal Credit Union (HUSA) began as Permian Telco Federal Credit Union in 1949 serving Southwestern Bell employees. During the next 53 years Permian Telco allowed Select Employer Groups (SEGs) into HUSA’s field of membership and eligible members had to work for one of the Select Employers to become a credit union member.
In the late 1880's and early 1900's several associations were organized to make loans on homes and business property and to accept people's savings. Some of the names of these associations were Home Building and Loan Association, Johnson County Building and Loan Association and Buffalo Building and Loan Association.
First Northern Bank of Wyoming was founded in 1885 on the bedrock principle that our success would be solely dependent on that of our community and customers. From our origins in a humble, wood frame building with a starting capital of $50, 000, to our continuous growth throughout the last century.
Cedar Home Loans can save time and reduce costs by providing customized mortgage solutions to assist clients in accomplishing their financial goals. We believe refinancing or buying a home should be easy. Our Summit County lending advisors will help you put your finances in order to attain the Colorado home of your dreams.
West Texas Credit Union® began in a small room in the ECISD Administration building in 1953. At that time we were known as Ector County Independent School Employee’s Credit Union. Since then, we have expanded our facilities to include the main office and a branch office in Odessa, as well as a branch office in Ft. Stockton.
