USDA and FHA Pro and Con in Sayreville, Middlesex County, NJ

In 2025, the USDA loan limit for Sayreville, situated in Middlesex, NJ, is $776,600, whereas the FHA limit for a single-family home is $1,089,300.

Leverage Lendersa® USDA loan calculator to juxtapose today's optimal rates between USDA and FHA. Determine the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA options, helping you choose the best program in for your financial needs.

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2025 Loan Limits and Downpayment Specifications in Sayreville, Middlesex, NJ

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

Discover USDA and FHA Loan Options in Sayreville, NJ

At Lendersa®, our aim is to secure the best possible USDA or FHA loans swiftly and without inconvenience. Choose one of the three starting points for matching with lenders and discovering suitable USDA loan programs.

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Understanding USDA Loans in NJ

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans do not necessitate any down payment.

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



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