For the year 2026, the USDA loan ceiling in Frankford, located in Sussex, NJ, is $776,600, whereas the FHA cap for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to assess today's leading USDA versus FHA rates. It helps determine the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA options side by side, guiding you in choosing the best program for your finances, particularly 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% |
Lendersa®'s mission is to facilitate a smooth and quick process in obtaining the best USDA or FHA loan available. Begin by selecting one of three pathways to match with lenders and explore different USDA loan programs.
The USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires none, making it an appealing choice.
Enter your location to find out if it qualifies for USDA rural housing loan?
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