In the year 2026, the USDA loan ceiling in Highland-Park, situated in Middlesex county, NJ, is $657,900. Meanwhile, the FHA limit for a single-family dwelling is $822,375.
The Lendersa® USDA loan calculator is a valuable tool to analyze today's top USDA versus FHA rates, which will help you determine the income, credit, reserves, and necessary documents to qualify. Our sophisticated mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, allowing you to select the best program for your financial situation 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% |
Lendersa® is committed to securing the best USDA or FHA loan for you promptly and effortlessly. Choose one of three starting points, connecting you with lenders and specific USDA loan programs.
USDA home loans, backed by the government's Department of Agriculture, also known as USDA rural development loans or mortgages, are limited to rural communities. Unlike FHA loans that mandate a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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