For the year 2026, the USDA loan threshold in South-Plainfield, located in the county of Middlesex, NJ, is defined as $657,900, while the FHA ceiling is $822,375 for single-family residences.
Utilize the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates. Determine the essential income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options in a side-by-side format, assisting you in selecting the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The purpose of Lendersa® is to provide you with the most favorable USDA or FHA loan swiftly and conveniently. Choose from three different starting points that link you to matching lenders and specific USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is designated for rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans offer the advantage of requiring no initial down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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