In 2025, the USDA loan limit for Spotswood in the county of Middlesex, NJ is set at $776,600, whereas the FHA loan limit for a single-family home stands at $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Determine the necessary income, credit score, reserves, and documentation required to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program to suit your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
At Lendersa®, our goal is to help you secure the best possible USDA or FHA loan quickly and without hassle. Choose one of three starting points that enable you to match with lenders and the USDA loan programs that best fit your needs.
The USDA home loan, backed by the government Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, no down payment is needed for USDA loans.
Enter your location to find out if it qualifies for USDA rural housing loan?
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