USDA VS FHA in Stanhope, Sussex County, NJ

In 2025, 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.

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2025 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.

Lendersa USDA loan request and matching results

What is a USDA Loan in NJ?

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.

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



  • Vantage Point Mortgage, Inc.
  • 5800 Jameson Court, Suite 10, Carmichael, CA, 95608
  • Vantage Point Mortgage was established in June of 1990. We specialized with borrowers who had credit problems. After several years of business, we were ranked 24th out of 100 as one of the fastest-growing companies by The Sacramento Business Journal. Our competition was new technology, health care, and many others.
  • GOLDEN RATE SERVICES LLC
  • 5023 El Camino Avenue, Carmichael, CA, 95608
  • At Golden City Home loans. We are a full-service mortgage company based in Carmichael, California. We specialize in First Time Home Buyers in Carmichael. We also serve the surrounding cities in Sacramento County, including zip code. We can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
  • Asher Evans
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  • Asher Evan Investments uses private investors to fund its First Trust Deed private mortgage loans. Private loans are made against standing Commercial, Multi-family and Residential investment properties. All loans are in 1st position, a priority position over other liens or encumbrances.
  • CBC Federal Credit Union
  • 2151 East Gonzales Road, Oxnard, CA, 93036
  • CBC Federal Credit Union was established in March of 1952 by a small group of civilian employees working as civil engineers at the Construction Battalion Center (CBC) in Port Hueneme, California, to serve the savings and borrowing needs of the civil employees on base. They applied for and received approval for a Federal Credit Union charter.
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  • Loan Warehouse was created out of the need for our local community of borrowers to have access to wholesale lenders with wholesale interest rates. We shop multiple lenders with one credit pull. You will have access to these lenders through our brokerage, Loan Warehouse, with multiple loan options. You deserve more than one rate & quote & option.
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  • Westchester Financial
  • 300 E. Esplanade Drive, 9th Floor, Oxnard, CA, 93036
  • Westchester Financial offers comprehensive consultation to the homeowner or future homebuyer to ensure that, when the ideal conditions exist, you will be positioned to secure the best possible loan program to fit your unique needs Westchester Financial offers comprehensive consultation to the homeowner or future homebuyer.
  • Client 1st Mortgage
  • 5777 Madison Avenue, Suite 605, Sacramento, CA, 95841
  • Client 1st Mortgage strives to provide all of the qualities that people look for in a mortgage company. We treat each customer as an individual. Not as a number.We operate under a strict code of ethics and values aimed at building long-term customer trust and loyalty. We use a “common sense” approach and will help you.
  • Patron Mortgage
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  • Blackburne & Sons Realty Capital Corporation is a $50 million hard money commercial lending company. We syndicate the investment funds of about 900 accredited, private investors and use these funds to make permanent first mortgage loans on standing commercial properties.The company has been in business since June of 1980.