USDA Vs. FHA Pro and Con 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.
The Brandon Drew Group is more than a family business, it’s our opportunity to serve our community the best way we know how. Whether you're a home buyer or real estate professional, we're devoted to adding confidence, clarity, and certainty to your biggest investments. After all, we know the type of attention each and every loan deserves.
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