USDA Vs. FHA your options comparison in Princeton, Mercer County, NJ
As of 2026, in Princeton, located in the county of Mercer, NJ, the USDA loan cap stands at $336,500. Conversely, the FHA limit for a single-family residence is $472,030.
Lendersa® offers a USDA loan calculator to help you evaluate today's optimal USDA and FHA rates. It also allows you to identify the income, credit score, reserves, and documentation necessary for eligibility. Our comprehensive mortgage calculator presents USDA, FHA, Conforming, and VA programs side by side, assisting you in selecting the best option for your financial needs in .
2026 Loan Limits and Downpayment Criteria in Princeton, Mercer, NJ
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Opportunities in Princeton, NJ
At Lendersa®, we aim to procure the most advantageous USDA or FHA loans swiftly and without the usual stress. You can start at any of these three available steps to connect with lenders and explore USDA loan programs.
A USDA home loan is a government-backed loan from the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, specifically for rural areas. Unlike the FHA loans, which require a starting down payment of 3.5%, USDA mortgages necessitate no down payment.
Established in 2007, The Bank of Princeton opened its Chambers Street doors for business on the 23rd of April. Since then, the Bank has grown to include nineteen branch locations that serve Mercer, Burlington, Camden, Gloucester, Hunterdon, Middlesex, Monmouth, Ocean, and Somerset counties in New Jersey
Princeton Federal Credit Union was founded in 1972 by the faculty and staff of Princeton University. We are a not-for-profit financial cooperative serving the financial needs of our members. Our Core Values are Great People, Integrity, Service Mindset, and Teamwork. Princeton Federal Credit Union was originally chartered in 1972.
Healthcare Employees Federal Credit Union is to create superior member value over a lifelong relationship through personalized service & competitive and convenient financial services while maintaining a sound financial condition. The vision of the Healthcare Employees Federal Credit Union is to become recognized as the premier financial institution
821 Alexander Road, Suite 130, Princeton, NJ, 08540
Lends in New Jersey
We provide cash flow solutions to companies requiring a financing structure that cannot be provided by banks or other commercial finance sources. We understand the challenges of operating a business in today's competitive environment, and our ability to be a responsive, flexible financial partner separates us from our competition.
101 College Road East, Suite 2, Princeton, NJ, 08540
Lends in New Jersey
Certified Wealth Management & Investment, LLC an independent Registered Investment Advisory firm. He is a graduate of the United States Merchant Marine Academy with a BS in Marine Engineering. He has been in the financial services industry since 1983 with extensive experience in financial planning, insurance & mortgages.
"Montgomery Mortgage has an estimated 99% customer satisfaction rate. After nearly 15 years of service, we do not have a single complaint with the New Jersey Department of Banking. We have the highest rating possible with the Better Business Bureau. Licensed as Mortgage Bankers, not just a Broker"
We are NJ Gateway FCU – a not-for-profit financial institution, organized in 1969, & wholly owned by our membership. Our asset size is currently at $30 million. More than 4000 member/owners actively use the services available to them through NJGFCU. Our Mission is Growing trusted relationships by helping members gain personalized financial success!
Xpress is proud to provide mortgage loans in New Jersey and Pennsylvania. We offer conventional and government insured loans to meet your purchase need. We also offer refinance programs to accommodate those homeowners who are interested in shortening their loan term, lowering their mortgage rate, or taking cash out for remodeling, college tuition.
2088 US HWY 130, #100, Monmouth Junction, NJ, 08852
Lends in New Jersey
All State Lenders Corporation (ASLC) has been satisfying hundreds of customers every year with their mortgage needs. We founded our company on the promise of understanding that borrowers know the mortgage industry is a mature market where price differentiates between lenders. Our success at All State Lenders was founded on a low cost
