USDA VS FHA in Sparta, Sussex County, NJ

In 2026, the USDA loan limit for Sparta, within Sussex county in NJ, is $776,600, while the FHA limit for a single-family house is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates available today, and assess the income, credit, reserves, and necessary documents for qualification. With our comprehensive mortgage calculator, you can explore USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best financial program in Alabama.

Review loan offers from a selection of 100 lenders

2026 Loan and Downpayment Specifications in Sparta, Sussex County, NJ

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

Available USDA and FHA Loan Choices in Sparta, NJ

Lendersa® aims to swiftly connect you with the most suitable USDA or FHA loan, minimizing any hassle. Choose from one of three starting options to link you with matching lenders and explore USDA loan offers.

Lendersa USDA loan requests and matching outcomes

Understanding USDA Loans in NJ

A USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan, is limited to rural locations. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment.

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



  • Weld Community Credit Union
  • 2555 47th Avenue, Greeley, CO, 80634
  • We have been a local business since 1936 and continue to live the Credit Union philosophy of "People Helping People". Weld Community Credit Union - All members are equal, every loan has a story... we listen. Every loan application is looked at by a real person. FREE ATM, FREE eChecking account, FREE debit card and friendly people.

  • Home Team Lending
  • 1019 37th Ave Ct, Greeley, CO, 80634
  • In 2000, Tonya Jenkins (“TJ”) had been in the mortgage business for seven years. She had worked as a single loan originator at a local bank and then moved to a manager of a regional mortgage company. She found herself wanting to build a mortgage team, which is when Home Team Lending was born.

  • Acclaimed Lending LLC
  • 2916 West 12th Street, Greeley, CO, 80634
  • Our mission is to help you achieve the dream of home ownership using education at the forefront. Our focus is on supporting you throughout every milestone of the lending process with transparent communication and by empowering you through knowledge.Our leading-edge processes allow for swift and precise approvals.

  • Hereford Texas Federal Credit Union
  • 330 Schley Avenue, Hereford, TX, 79045
  • Hereford Texas Federal Credit Union has been open since 1936. The credit union has assets totaling $71.51 Million and provides banking services to more than 8, 000 members as of March 2022.

    The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a memb

  • First National Bank of Hereford
  • 301 W 3rd Street, Hereford, TX, 79045
  • At First National Bank of Hereford we strive to meet and exceed your banking needs! Our fundamental philosophy remains the same: Old Values and New Visions Our helpful, friendly and professional staff will provide excellent service and are always ready to address any questions or concerns you may have pertaining to your banking needs.

  • WesTex Federal Credit Union
  • 901 Avenue Q, Lubbock, TX, 79401
  • WesTex Federal Credit Union has been open since 1946. The credit union has assets totaling $85.02 Million and provides banking services to more than 7, 000 members as of March 2022.

    The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member.

  • MK Mortgage Group LLC
  • 1660 Prominence Circle, Elizabeth, CO, 80107
  • MK Mortgage Group LLC headquarters is in Elizabeth, Colorado. MK Mortgage Group LLC is in the sectors of: Financial Services. This company is a banking company based out of 1660 Prominence Circle. When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford

  • Taylor Mortgage Group, LLC
  • 133 County Road 17, Suite E1-A, Elizabeth, CO, 80107
  • "Janie Taylor of the Taylor Mortgage Group began her real estate career in Denver in 1975 starting with on site sales. Her success led to resales, commercial investment, commercial leasing and farm, ranch and land sales.
    We offer almost any loan you could ever imagine! Land, Construction, Refinance, Jumbo and much much more!"

  • San Angelo Federal Credit Union
  • 235 W 1st Street, San Angelo, TX, 76903
  • San Angelo Federal Credit Union was organized in 1939 and is the oldest federal credit union in the area. Our philosophy has always been to provide affordable credit, help educate members to make sound decisions with their financial matters and offer competitive products and services.

  • Goodyear San Angelo Federal Credit Union
  • 809 Knickerbocker Road, Suite E, San Angelo, TX, 76903
  • We have been giving our membership one-on-one service since 1974. We want to do the same for you. Call Marshall for pre-approval on loans and schedule time for him so he is available when "you" go shopping. Whether you buy in town or out of town, we will be available to talk to you and your salesperson so the purchase goes quickly and smoothly.

  • Concho Valley Credit Union
  • 1002 South Abe Street, San Angelo, TX, 76903
  • Concho Valley Credit Union was organized in 1930 for the postal workers and was named Postal Credit Union. In 1980, the name was changed to Concho Valley Government Employees Credit Union to reflect the true membership covered. Then, in the summer of 2005, our name was changed once again to Concho Valley Credit Union.