USDA Vs. FHA your options comparison in Stillwater, Sussex County, NJ
In 2026, the USDA loan limit in Stillwater, within the county of Sussex, NJ, is $776,600. For a single-family home, the FHA limit is set at $1,089,300.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. This tool helps determine the income, credit, reserves, and documentation required for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program in for your specific financial situation.
2026 Loan Limits and Down Payment Requirements in Stillwater, Sussex, NJ
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Options in Stillwater, NJ
The goal of Lendersa® is to secure the best possible USDA or FHA loan quickly and with ease. Choose one of three starting points to connect with matching lenders and explore USDA loan programs.
USDA home loans, backed by the government Department of Agriculture, also known as USDA rural development loans or USDA mortgages, are available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages require none.
First Hope Bank is a family operated community bank that has been in operation since 1911. We are a full-service bank with products ranging from deposit accounts to loans to investment and insurance products offered by either our Trust Department or Raymond James Financial Services, Inc.
Lakeland Bank is the wholly-owned subsidiary of Lakeland Bancorp, Inc., with over $8 billion in total assets. With an extensive branch network and commercial lending centers throughout New Jersey and Highland Mills, NY, the Bank continues to build on its infrastructure of financial strength, profitability, efficiency and quality service.
Our mission is to serve our customers with honesty integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Founded as a one-branch credit union serving Picatinny Arsenal in 1939, we have continued to grow and evolve in tandem with the community we serve. In 2005, Picatinny was approved for a Community Charter, with membership now open to anyone who lives, works, worships or goes to school in Morris County, as well as their immediate families.
American Federal Mortgage, we make it easy for those seeking to refinance or purchase their dream home in 10 states by offering a variety of flexible loan programs geared toward each client's specific mortgage needs. Having been a recognized leader in the mortgage lending industry for nearly three decades,
American Mortgage Partners, Inc. Our mortgage representatives specialize in providing home loans to borrowers in New Jersey and Pennsylvania. We have decades of experience offering top-notch client service. In addition to conventional and FHA, VA, and USDA loans, we provide solutions beyond traditional banking.
Established in 1980, in Chatham, NJ Mortgage Access Corp. is licensed in over 40 states. As a Licensed Mortgage Banker, Mortgage Access Corp. derives its mortgage products from many sources & investors; unlike banks or savings & loan institutions, which are often limited by the availability of their own deposits & a single lending philosophy.
