USDA Loan Vs. FHA loan for Union, NJ 2026

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 .

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.

Lendersa USDA loan request and matching results

USDA Loans Explained in NJ

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.

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(979) 543-3349 Lender's profile and map Reviews Newfirst National Bank 202 E Jackson, El Campo, TX, 77437 NewFirst National Bank has a long and prosperous history dating back to January 22, 1902. It wouldn’t be until 2002 when the name NewFirst National Bank would be approved to coincide with a larger geographic footprint. The current office in El Campo, Texas opened in February 1968 and still serves as the headquarters.
(979) 725-9575 Lender's profile and map Reviews Hill Bank & Trust Co. 201 East Main Street, Weimar, TX, 78962 The Hill Bank and Trust Co. is an independent community bank pledged to maintain its financial independence and to provide quality banking services to the people, businesses and institutions of the Weimar, Texas area. We believe our most important assets are our customers and employees.
(254) 690-2274 Lender's profile and map Reviews Greater Central Texas FCU 3305 E Elms Road, Killeen, TX, 76542 Greater Central Texas Federal Credit Union has been open since 1957. The credit union has assets totaling $31.67 Million and provides banking services to more than 2, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working
(979) 968-9511 Lender's profile and map Reviews Fayette Savings Bank, SSB 111 East Travis, La Grange, TX, 78945 Fayette County Savings & Loan Association was organized in October of 1976. By March of 1977, all of the necessary stock was sold and Fayette County Savings & Loan Association was chartered on December 31, 1977. Insurance of accounts was obtained on August 28, 1978, and Fayette County Savings & Loan Association opened for business.
(979) 968-3136 Lender's profile and map Reviews National Bank & Trust 145 West Colorado, La Grange, TX, 78945 Chartered in 1888, National Bank & Trust is headquartered in La Grange, Texas, and has been a major contributor in the development and expansion of the business and agricultural community since its inception. National Bank & Trust is a full-service Bank with friendly people who take the time to listen
(512) 943-2243 Lender's profile and map Reviews Waymaker Mortgage 605 River Bend, Suite 100, Georgetown, TX, 78626 Waymaker Mortgage was founded in 2017 by entrepreneur Scottie Campbell, a mortgage loan officer and visionary leader with over a decade of mortgage lending experience. Scottie and Natalie Campbell are passionately driven to help as many families as possible to achieve their American Dream of homeownership and build generational wealth.
(620) 384-7451 Lender's profile and map Reviews The Valley State Bank 110 W Ave B, Syracuse, KS, 67878 Our History The Valley State Bank was chartered on July 5, 1905, when the Beaty family, who had extensive holdings in Kansas and neighboring Colorado, realized that a financial institution was needed in the area. John W. Beaty, of Richfield, R. E. Bray of Syracuse, and Dennis Foley were some of the original stockholders.
(620) 384-7441 Lender's profile and map Reviews First National Bank of Syracuse 11 N. Main, Syracuse, KS, 67878 First National Bank has been serving the communities of Southwest Kansas for over 100 years, with our main bank located in Syracuse, Kansas, a branch in Johnson, Kansas, and two branches in Garden City, Kansas. We strive to be the premier financial institution in the area and are committed to providing the best personal service,
(512) 281-1500 Lender's profile and map Reviews Frontier Bank of Texas 1213 Highway 290, Elgin, TX, 78621 Frontier Bank of Texas started in June of 2007 when five area leaders realized the need for a local, independent bank of Bastrop County. They came together and created a vision for a community bank that offers superb customer service, sophisticated financial products, and local leadership.
(605) 923-1405 Lender's profile and map Reviews Sentinel Federal Credit Union 22752 Mule Deer Trail, Box Elder, SD, 57719 Sentinel Federal Credit Union has been guarding and protecting the financial well-being of our members since 1955. As a community Credit Union, many of us were born and raised in the communities that we serve. Because of that, we make our decisions right here at the Credit Union. Some places have local branches. We have local roots.
(701) 483-6811 Lender's profile and map Reviews Bravera Bank 220 1st Ave W, Dickinson, ND, 58601 We are Bravera, an employee- and director-owned company of advisors who help build the financial strength, stability and growth of every community to which we belong. We’re driven to serve you, coming together to forge new paths to help you achieve your business and personal goals.
(620) 492-6200 Lender's profile and map Reviews Johnson State Bank 106 North Main Street, Johnson, KS, 67855 Johnson State Bank and Bank of Ulysses I would like to thank you for taking the time to visit our Internet web page. Our bank strives to meet the needs of our customers and our community. As the Bank and our community enter the age of high-speed communications and convenience we began to see the need for convenient computer based banking services.