In 2026, the USDA loan limit for Stanhope, Sussex County, in NJ, is $776,600, while the FHA limit for a single-family home stands at $1,089,300.
Use the Lendersa® USDA loan calculator to compare the most favorable USDA versus FHA rates available today and to determine the necessary income, credit score, reserves, and documentation to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your financial situation.
2026 Loan Limits and Down Payment Requirements in Stanhope, Sussex County, NJ
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Stanhope, NJ
Lendersa® aims to quickly and conveniently help you find the best USDA or FHA loan. Select one of three starting methods that match you with suitable lenders and USDA loan programs.
A USDA home loan, guaranteed by the government Department of Agriculture (also known as a USDA rural development loan or USDA mortgage), is available exclusively in rural neighborhoods. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require no down payment at all.
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