In the year 2026, if you are in Phillipsburg, located within Warren county, NJ, the USDA loan cap is set at $336,500, while the FHA loan cap reaches $472,030 for single-family homes.
Utilize the Lendersa® USDA loan calculator to evaluate the current best rates for USDA versus FHA. This will assist you in understanding the income, credit, reserve requirements, and paperwork needed for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side-by-side, aiding in finding the most suitable program for your unique financial needs in
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| Type of Loan | Maximum Loan Limit | Minimum Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conforming Conventional | $726,200 | 3% |
The aim of Lendersa® is to secure you the best USDA or FHA loan swiftly and seamlessly. Opt for one of three starting choices, each ensuring a match with lenders and USDA loan programs.
A USDA home loan is a government-backed offer from the Department of Agriculture, commonly referred to as a USDA rural development loan or simply a USDA mortgage, and is exclusive to rural areas. Contrasting with FHA loans which require at least a 3.5% down payment, the USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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