For 2026, the USDA loan ceiling in Heathcote, part of Middlesex county, NJ is set at $776,600, whereas the FHA cap for a single-family home is $1,089,300.
Make use of the Lendersa® USDA loan calculator to evaluate the most competitive USDA versus FHA rates today. It helps determine necessary income, credit score, reserves, and document requirements. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side-by-side to decide which program 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 ensure you quickly find the ideal USDA or FHA loan, free of hassle. Choose one of three options to connect with the right lenders and explore USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, this loan has no down payment requirement, making it an attractive option for those eligible in rural regions.
Enter your location to find out if it qualifies for USDA rural housing loan?
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