FHA loan limits and USDA eligibility for ZIP 07865 — Port Murray, NJ

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

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USDA property eligibility

Likely eligible for $0 down

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Warren County

1–4 person household income limit

$147,050

5–8 person household income limit

$194,150

  • Warren County (Primary): $147,050 / $194,150
  • Hunterdon County: $166,600 / $219,950
  • Morris County: $153,550 / $202,700

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2026 FHA loan limits

Hunterdon County

1-unit

$1,249,125

2-unit

$1,599,375

3-unit

$1,933,200

4-unit

$2,402,625

Morris County

1-unit

$1,249,125

2-unit

$1,599,375

3-unit

$1,933,200

4-unit

$2,402,625

Warren County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

This ZIP lists more than one county cap. The property address picks the county on the loan.

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FAQ for ZIP 07865

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