For Mine-Hill in Morris County, NJ, the USDA loan cap in 2025 is noted as $657,900, compared to an FHA cap of $822,375 for single-family residences.
Compare today's optimal USDA and FHA rates using the Lendersa® USDA loan calculator. Assess income, credit, reserves, and the necessary paperwork for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side by side, aiding in choosing the right one for your financial needs 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® aims to connect you with top-tier USDA or FHA loans swiftly and effortlessly. Begin with one of three pathways designed to align lenders with USDA loan programs.
Backed by the Department of Agriculture, USDA home loans, often referred to as USDA rural development loans or USDA mortgages, are accessible only in rural areas and require no down payment, unlike FHA loans mandating a minimum of 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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