USDA VS FHA in Washington, Warren County, NJ

The USDA loan limit in Washington, part of Warren county, NJ, is $336,500 for 2025, while the FHA limit for a single-family home is set at $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's USDA and FHA best rates and determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side to help you choose which program in is best for your financial situation.

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Loan Limits and Downpayment Requirements for 2025 in Washington, Warren, NJ

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Washington, NJ

The mission of Lendersa® is to efficiently provide the best USDA or FHA loan without hassle. Choose one of the three starting points below to connect with matching lenders and USDA loans.

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Understanding USDA Loans in NJ

A USDA home loan, endorsed by the Department of Agriculture and also called a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. FHA loans require a minimum of 3.5% down payment, in contrast to USDA loans, which require no down payment at all.

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



  • Cayuga Lake National Bank
  • 165 Cayuga Street, Union Springs, NY, 13160
  • Cayuga Lake National Bank is a full-service community bank headquartered in Union Springs, NY with a second office in Aurora, NY. We provide consumer and commercial banking and lending products to the Finger Lakes Region of Central New York and beyond. Cayuga Lake National Bank offers a full suite of consumer banking products.
  • Andrews Federal Credit Union
  • 5711 Allentown Road, Suitland, MD, 20746
  • Andrews Federal Credit Union was founded in 1948 to serve military and civilian personnel along their financial journeys. With over $2 Billion in assets, Andrews Federal has grown to serve more than 134, 000 members in the District of Columbia, Joint Base Andrews (MD), Springfield, Virginia (VA), Joint Base McGuire-Dix-Lakehurst (NJ).
  • MoutainOne Bank
  • 93 Main Street, North Adams, MA, 01247
  • MountainOne is dedicated to the local communities we serve, with a mission of delivering solutions of real value that help individuals, businesses, and community institutions manage their financial lives with clarity & confidence. Founded in 1848, MountainOne Bank provides a complete array of personal and business banking and electronic services.
  • First Savings Mortgage
  • 659 C St SE, Washington, DC, 20003
  • First Savings Mortgage Providing outstanding customer service, through in‐house pricing, processing, underwriting and closing we save you time, closing your loan quickly.We help individuals looking to purchase, refinance or invest in property in the Washington DC metro area. We are experts on Capitol Hill where we have been part of the community.
  • Fannie Mae
  • 1100 15th Street NW, Washington, DC, 20005
  • Fannie Mae serves the people who house America. We are a leading source of financing for mortgage lenders, providing access to affordable mortgage financing in all markets at all times. Our financing makes sustainable homeownership and workforce rental housing a reality for millions of Americans. We also help make possible the popular 30-year, fixe
  • Crouse Federal Credit Union
  • 730 S Crouse Avenue, Syracuse, NY, 13210
  • Crouse Federal Credit Union was organized in 1978 by a group of ambitious Crouse Irving Memorial Hospital employees who wanted to create a safe place for fellow employees to borrow and save at fair rates and with confidentiality. Unlike any other financial institution, a credit union is owned and controlled by the people it serves.
  • University Neighborhood Preservation Association
  • 562 Buckingham Avenue, Syracuse, NY, 13210
  • The University Neighborhood Preservation Association, Inc. is a non-profit 501(c)(3) tax exempt organization incorporated in 1990. UNPA primarily administers a homebuyers assistance program that helps families and individuals purchase homes in the UNPA Target Area. Promote owner-occupancy of homes in the area east of Syracuse University campus
  • Cooperative Federal Mortgages
  • 723 Westcott St, Syracuse, NY, 13210
  • Cooperative Federal is a unique combination of a traditional credit union and a non-profit community development organization. Becoming a member of Cooperative Federal is making a choice to build our local community and to advance social justice. and Cooperative Federal is deeply involved in efforts to revitalize our community.
  • OAS FCU
  • 1145 17th Street NW, Washington, DC, 20036
  • OAS FCU was born as a joint effort by people from all over the Americas with unique needs that banks were unable to meet. Since then, we have extended our services to various organizations whose members encounter similar challenges We started in 1962 serving the employees of the Organization of American States.
  • Hebron Savings Bank
  • 101 North Main Street, Hebron, MD, 21830
  • Hebron Savings Bank began business in 1910 in a room, which was also used to store salt. One hundred pound bags of salt, used for hog killing, were stored in the room. Lots of times, the salt would spill out from the sacks particularly during damp weather as the sacks burst from the moisture.
  • Advantage Financial Federal Credit Union
  • 1319 F Street NW, Suite 500, Washington, DC, 20004
  • Advantage Financial Federal Credit Union Our Credit Union was originally chartered in 1932 by a small group of Veterans Administration employees. They were dedicated to building a financial institution that would provide outstanding financial services...at the lowest possible cost