In 2026, the USDA loan limit for a single-family home in Montclair, within Essex county, NJ, is $0. Meanwhile, the FHA loan limit stands at $1,089,300.
To evaluate today's best USDA versus FHA rates, utilize the Lendersa® USDA loan calculator. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, guiding your choice of the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
At Lendersa®, we're dedicated to getting you the perfect USDA or FHA loan quickly. Choose from three starting points to match with lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage through the Department of Agriculture, also referred to as a USDA rural development loan. Available only in rural areas, it requires no down payment, unlike FHA loans which require at least 3.5%.
Enter your location to find out if it qualifies for USDA rural housing loan?
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