In the current year 2026, the USDA loan limit within North-Caldwell, which is situated in the county of Essex, NJ, is $0. Meanwhile, for a single-family home, the limit set by the FHA stands at $822,375.
By using the Lendersa® USDA loan calculator, you can effectively compare the leading USDA versus FHA rates available today. This tool aids in determining what income levels, credit score, reserves, and documentation are needed to qualify. Our sophisticated mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, guiding you to the best choice for your unique financial scenario in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The goal of Lendersa® is to efficiently connect you with the best USDA or FHA loan options available, free of any hassle. Choose one of three starting paths that help match you with lenders and uncover USDA loan programs.
A USDA home loan is guaranteed by the government's Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, and it is exclusively available in rural areas. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment, making them an attractive option for qualified borrowers seeking to purchase properties in rural neighborhoods.
Enter your location to find out if it qualifies for USDA rural housing loan?
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