As of 2026, the USDA loan ceiling for Union in the county of Union, NJ is $0. Meanwhile, the FHA cap for a single-family dwelling is $1,089,300.
Leverage the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates. This tool will guide you in evaluating necessary qualifications such as income, credit, reserves, and required documentation. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA options simultaneously, aiding in the determination of the most fitting program for your financial needs, particularly within .
2026 Loan Limits and Down Payment Requirements in Union, County of Union, NJ
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Choices for USDA and FHA Loans in Union, NJ
Lendersa® aims to secure the best possible USDA or FHA loan for you with minimal hassle. You can start by choosing one of three pathways that will match you with lenders providing USDA loan options.
A USDA home loan, supported by the U.S. Department of Agriculture and commonly referred to as a USDA rural development loan or USDA mortgage, is intended for rural areas only. Unlike FHA loans that require at least a 3.5% down payment, USDA loans necessitate no down payment, offering an advantageous option for financing in designated rural zones.
Omega Financial Services, Inc. is a full service, Non-Supervised, Multi-State Direct Residential and Commercial Lender and Wholesaler. With over 25 years of experience, Omega’s goal has been to assist clients in owning a home, acquiring a business, or an investment property by offering a wide array of loan programs and giving attention to detail.
At Platinum Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
Atlantic Federal Credit Union was founded in 1935 by a group of AT&T Western Electric employees in Kearny, New Jersey. They were dedicated to building a not-for-profit financial cooperative to meet their savings and borrowing needs — an especially formidable task in that depression era.
For over 85 years, County Educators FCU has been helping people like you achieve their financial goals. We are proud of the wide range of valuable financial services we offer, from affordable Checking & Savings programs to convenient low-cost lending services. We can offer your employees a great employee benefit at absolutely no cost to you.
The Elizabeth, NJ Firemen’s FCU strives to promote thrift for our members, provide affordable financial services and assist members, who show a desire to improve their financial foundation, and to get through difficulties which may be keeping them from realizing their potential. The Elizabeth, NJ Firemen’s FCU was Chartered in 1936.
Community Financial Services FCU is a not-for profit, member owned financial organization. It was originally chartered in 1949 as “Linden Assemblers FCU” by the General Motors assembly plant workers of UAW Local 595. Today membership is open to anyone who lives, works or worships in Union County, NJ.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide real estate financing 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.
Jersey Central Federal Credit Union (JCFCU) is a not-for-profit financial cooperative, chartered in 1937 to serve employees of the Central Railroad of New Jersey (CNJ), who worked in the engine repair and train services departments in Jersey City, NJ. The founding members recognized the need for affordable
No matter what your financial situation looks like, the experts at SunQuest will analyze your income, assets and liabilities; we’ll coordinate with your attorney, accountant or advisers, to insure that your New Jersey mortgage supports your other financial goals.The two founding partners of SunQuest Funding represent more than 40 years of experienc
