In the year 2026, the USDA loan ceiling for Hawthorne, located in the county of Passaic, NJ, is $776,600, whereas the FHA limit for a single-family home stands at $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare top rates between USDA and FHA. It helps determine the income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options together, enabling you to pick the most suitable program in Alabama for your specific financial situation.
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| Type of Loan | Loan Ceiling | Down Payment | |
| USDA | $776,600 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
The aim of Lendersa® is to deliver the ideal USDA or FHA loan swiftly and without hassle. Begin by choosing from one of three pathways that align you with suitable lenders and USDA loan options.
A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan, is available exclusively in rural areas. Contrasting with FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment requirement at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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