In the current year of 2026, the USDA loan limit for South-Harrison, within Gloucester county, NJ, is $345,000, whereas the FHA limit for a single-family home stands at $431,250.
Utilize the Lendersa® USDA loan calculator to contrast today's top USDA versus FHA interest rates, identifying the necessary income, credit, reserves, and documentation required for qualification. Our state-of-the-art mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding your decision on the ideal program for your distinct financial condition in
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| Type of Loan | Limit of the Loan | Down Payment Rate | |
| USDA | $345,000 | 0% | |
| FHA | $431,250 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is committed to securing the best USDA or FHA loan for you swiftly and effortlessly. Begin by choosing one of three starting points, allowing you to match with lenders offering USDA loan programs.
The USDA home loan, endorsed by the Department of Agriculture, otherwise called the USDA rural development loan or USDA mortgage, is available only within rural communities. Contrary to FHA loans that require a minimum down payment of 3.5%, the USDA loan has no such down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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