The USDA loan limit in Vernon, Sussex county, NJ for 2026 is $776,600, while the FHA limit for a single-family home is $1,089,300.
Use the Lendersa® USDA loan calculator to evaluate and compare today's top USDA vs. FHA rates. Establish the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you determine which program 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% |
Lendersa® aims to provide you with the best USDA or FHA loan swiftly and without hassle. Choose one of the three initial paths leading to matching lenders and USDA loan offerings.
The USDA home loan, ensured by the Department of Agriculture and also called the USDA rural development loan or USDA mortgage, is available in rural areas only. It requires no down payment, unlike FHA loans which need at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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