USDA Vs. FHA your options comparison in Princeton, Mercer County, NJ
As of 2025, 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 .
2025 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.
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66 West Flagler Street – Suite 900, Miami, FL, 33130
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