In 2025, the USDA loan cap in City-of-Orange, Essex county, NJ is $0, whereas the FHA limit for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to weigh the finest USDA versus FHA rates today, and to ascertain the necessary income, credit, reserves, and documents for qualification. Our modern mortgage tool displays USDA, FHA, Conforming, and VA options side-by-side to help you select the best plan for your unique financial needs in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $0 | 0% | |
| FHA | $822,375 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
Our objective at Lendersa® is to secure you the best USDA or FHA loan quickly and effortlessly. Begin with one of three available pathways to connect with lenders and explore various USDA programs.
USDA home loans are government-backed by the Department of Agriculture, also known as USDA rural development loans or mortgages. They are designated for rural areas exclusively. Unlike FHA loans, which require at least a 3.5% down payment, 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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