USDA and FHA Pro and Con in Randolph, Morris County, NJ
As of 2026, the USDA loan limit for Randolph in the county of Morris, NJ is $776,600, whereas the FHA cap for a single-family dwelling is $1,089,300.
Leverage the Lendersa® USDA loan calculator to contrast today's premier USDA with FHA rates and identify the income, credit score, reserves, and documents needed for qualification. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you pick the best plan for your financial status in .
2026 Loan Limits and Down Payment Requirements for Randolph, Morris, NJ
Type of Loan
Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Available USDA and FHA Loans in Randolph, NJ
Lendersa® strives to provide you with optimal USDA or FHA loan solutions quickly and effortlessly. Choose one of three methods to connect with matching lenders and suitable USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or mortgage. It's available exclusively in rural locales and differs from FHA loans, which require a minimum down payment of 3.5%, as the USDA loan has no down payment requirement.
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