As of 2025, the USDA loan ceiling for Union in the county of Union, NJ is $0. Meanwhile, the FHA cap for a single-family dwelling is $1,089,300.
Leverage the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates. This tool will guide you in evaluating necessary qualifications such as income, credit, reserves, and required documentation. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA options simultaneously, aiding in the determination of the most fitting program for your financial needs, particularly within
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to secure the best possible USDA or FHA loan for you with minimal hassle. You can start by choosing one of three pathways that will match you with lenders providing USDA loan options.
A USDA home loan, supported by the U.S. Department of Agriculture and commonly referred to as a USDA rural development loan or USDA mortgage, is intended for rural areas only. Unlike FHA loans that require at least a 3.5% down payment, USDA loans necessitate no down payment, offering an advantageous option for financing in designated rural zones.
Enter your location to find out if it qualifies for USDA rural housing loan?
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