In 2026, within Highland-Lakes in Sussex county, NJ, the USDA loan ceiling is set at $657,900, whereas the FHA limit for a single-family residence is $822,375.
Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates today and find out the requirements regarding income, credit, reserves, and necessary documentation to qualify. With our comprehensive mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most suitable program in
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| Loan Type | Loan Limit | Down payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The mission of Lendersa® is to secure the most advantageous USDA or FHA loan swiftly and efficiently. Choose one of three pathways to connect with lenders and access USDA loan offerings.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage, and is only accessible in rural areas. This loan, unlike FHA loans which necessitate a minimum 3.5% down payment, requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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