In 2026, the USDA loan cap in Palmyra, which is in Burlington County, NJ, is $381,800. Comparatively, the FHA limit for a single-family home is $529,000.
Employ the Lendersa® USDA loan calculator to weigh today's leading USDA against FHA rates. It aids in determining the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA options are displayed side by side, offering clarity on which program is ideal for your financial situation, particularly in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $381,800 | 0% |
| FHA | $529,000 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to connect you with the optimal USDA or FHA loan swiftly and without any complications. Start with one of three pathways to engage with lenders and explore USDA programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that need a down payment minimum of 3.5%, USDA mortgages require no down payment, making them more accessible for rural buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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