In 2026, the maximum USDA loan amount available in Passaic, located in the county of Passaic, NJ, is $776,600, whereas the FHA loan cap is $1,089,300 for a single-family household.
Leverage the Lendersa® USDA loan calculator to pit today's USDA versus FHA top rates against each other and analyze the income, credit prerequisites, reserves, and documentation necessary for qualification. Employing our comprehensive mortgage calculator, you can examine USDA, FHA, Conforming, and VA options side by side, aiding you to determine the ideal program in
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| Type of Loan | Ceiling Amount | Down Payment | |
| USDA | $776,600 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
The mission of Lendersa® is to expedite and streamline your attainment of an optimal USDA or FHA loan. Begin by selecting one of three initiation paths, which lead to compatible lenders and a variety of USDA loan schemes.
A USDA home loan is backed by the government through the Department of Agriculture and is often referred to as a USDA Rural Development Loan or USDA mortgage. These loans are exclusively available in rural communities. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage does not require any form of a down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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