During 2026, the USDA loan limit in Rockaway, part of Morris county in NJ, is set at $776,600. In contrast, the FHA limit stands at $1,089,300 for single-family homes.
Utilize the Lendersa® USDA loan calculator to effectively contrast today’s USDA versus FHA rates. You can determine the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage tool allows you to compare USDA, FHA, Conforming, and VA side-by-side, guiding you to choose the most suitable program for your financial needs specifically in
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| Type of Loan | Maximum Loan | Required Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The aim of Lendersa® is to swiftly and smoothly secure the most advantageous USDA or FHA loan for you. Begin with one of three approaches to connect with suitable lenders and USDA financing options.
The USDA home loan, endorsed by the government’s Department of Agriculture, known as both the USDA rural development loan and the USDA mortgage, is an option in rural vicinities. Differing from FHA loans that mandate a 3.5% down payment, the USDA mortgage demands no initial payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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