As of 2026, the USDA loan limit for Long-Hill, located in the county of Morris, NJ is $657,900, whereas the FHA loan limit for single-family homes is set at $822,375.
The Lendersa® USDA loan calculator is an essential tool for comparing today's best rates between USDA and FHA loans. It helps ascertain the income level, credit rating, reserves, and documentation needed to qualify. Our sophisticated mortgage calculator allows for a direct comparison of USDA, FHA, Conforming, and VA loans side by side so you can determine which program is most suited to your financial situation in
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| Type of Loan | Maximum Limit | Required Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa® aims to ensure you secure the most favorable USDA or FHA loan quickly and without hassle. Commence from one of three options that lead to matching lenders and USDA programs.
A USDA home loan, backed by the government Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is available exclusively in rural areas. In contrast to FHA loans, which demand at least a 3.5% down payment, USDA mortgages require no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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