USDA Vs. FHA your options comparison in Watchung, Somerset County, NJ
In 2025, the USDA loan limit for Watchung, located in the county of Somerset, NJ, is $776,600, while the FHA limit for a single-family home is set at $1,089,300.
Use the Lendersa® USDA loan calculator to explore today's top USDA versus FHA rates. This tool helps ascertain the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows for a side-by-side comparison of USDA, FHA, Conforming, and VA options, enabling you to make an informed decision about the best program in that suits your financial needs.
Review Loan Limits and Downpayment Requirements for 2025 in Watchung, Somerset, 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 Watchung, NJ
The goal of Lendersa® is to promptly match you with the best USDA or FHA loan, with minimal hassle. Choose from one of three starting points to connect with lenders and explore available USDA loan programs.
A USDA home loan, backed by the government’s Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans eliminate this requirement, offering zero down payment for eligible rural homebuyers.
8500 West Bowles Avenue, Suite 207, Littleton, CO, 80123
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.
550 S. Wadsworth Blvd, Suite 301, Denver, CO, 80226
Our mission is to guide you through the entire home loan process, so that you feel comfortable as you make choices about many options available for your home financing. Your home is one of the largest financial commitments that you will make during your lifetime. Unibell’s licensed mortgage brokers are highly experienced professionals
6732 W Coal Mine Ave, Suite 411, Littleton, CO, 80123
Next Gen was founded in late 2016 and by design was to remain a small operation with the goal of only crafting loans for friends and family. That plan, however, was to be thwarted by the amount of people wanting to work with Jackie because of her expertise. Next Gen is also heavily committed to contributing to the community.
8500 W. Bowles Ave, Suite 100A, Littleton, CO, 80123
At Colorado Professionals Mortgage we believe it is our privilege and duty to understand your unique situation and challenges, present all the available options to help meet your goals, and guide you through the complexities of today’s highly regulated mortgage market. We will be your advocate throughout the process.
4800 Wadsworth Blvd, Suite 200, Wheat Ridge, CO, 80033
Stonehenge Financial Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
4380 Harlan Street, Suite 100, Wheat Ridge, CO, 80033
Paradigm (the original spelling of the word), has a meaning of being “worthy of duplication; standing out above the rest”. That was the philosophy at the onset of the founding of Paradyme, that we were above the rest, and well worthy of duplication. We are local, family owned mortgage company that really cares about your loan needs
555 Middle Creek Pkwy, Suite 500, Colorado Springs, CO, 80921
View Mortgage delivers a smarter, faster, and all-around better home financing experience through fine-tuned processes and expert support. As the preferred lender for View Homes, helping our clients reach their home ownership goals is our number one priority and Licensed in Texas, Colorado, Florida, South Dakota, and New Mexico.
13570 Northgate Estates, Suite 200, Colorado Springs, CO, 80921
Bear Creek Mortgage Corp. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you
1301 Hazeline Lake Drive, Colorado Springs, CO, 80921
We have over 22 years of experience originating mortgages in Colorado. We fund Conventional, VA, FHA, Jumbo and USDA loans. Here at A&A Mortgage we strive for the best customer service and fast closings. This is why we partner with the best lenders in America. Give us a call, you will see the difference.
