In 2026, the USDA loan limit in Bernardsville, located in Somerset County, NJ, is set at $776,600, while the FHA limit for a single-family home is $1,089,300.
Utilize Lendersa® USDA loan calculator to evaluate current USDA versus FHA top rates. Determine income, credit, reserves, and necessary documents for eligibility. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, aiding you in choosing the best program for your financial situation in
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| Loan Type | Loan Limit | Down payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The goal of Lendersa® is to secure you the best possible USDA or FHA loan quickly and without hassle. Start by choosing one of three pathways to connect with lenders and access USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also called a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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