In the year 2025, the USDA loan limit for Independence, located within Warren, NJ, is $336,500, while the FHA ceiling for a single-family home stands at $472,030.
Utilize the Lendersa® USDA loan calculator to analyze and contrast today's foremost USDA and FHA rates. It helps determine the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator provides a comparative view of USDA, FHA, Conforming, and VA loans, aiding you in choosing the best program for your financial situation specific to
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to quickly and smoothly help you obtain the best possible USDA or FHA loan. Choose one of the three starting points to connect with lenders and explore various USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, often known as a USDA rural development or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage does not require any down payment, making it an attractive option.
Enter your location to find out if it qualifies for USDA rural housing loan?
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