During 2026, the USDA loan maximum for Salem in Salem County, NJ, reaches $381,800, whereas the FHA limit for a single-family residence stands at $529,000.
Employ the Lendersa® USDA loan calculator to evaluate and compare the most favorable USDA vs. FHA rates today. It helps you understand the income, credit score, reserves, and documentation required for qualification. Our advanced mortgage calculator lets you inspect USDA, FHA, Conforming, and VA side-by-side, aiding your decision on the best program for your financial circumstances 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® is dedicated to providing you with an ideal USDA or FHA loan, swiftly and effortlessly. Pick one of three initial steps that will connect you with lenders and USDA loan solutions.
The USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and exclusively available for rural locales. Unlike FHA loans with a minimum 3.5% down payment requirement, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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