In 2026, the USDA loan cap for a single-family residence in Waterford, located in the county of Camden, NJ, is set at $381,800, whereas the FHA limit stands at $529,000.
Utilize the Lendersa® USDA loan calculator to juxtapose today's leading USDA and FHA rates. This tool helps ascertain the income, credit, and documents needed for qualification. With our comprehensive mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA programs side by side, assisting you in choosing the best plan for your financial circumstances in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $381,800 | 0% |
| FHA | $529,000 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to swiftly connect you with optimal USDA or FHA loan options without the fuss. Start with any of the three outlined paths to match with lenders and suitable USDA programs.
A USDA mortgage is a government-backed loan by the Department of Agriculture. Known as the USDA rural development loan, it targets rural areas exclusively. Unlike FHA loans, which demand a minimum down payment of 3.5%, a USDA mortgage involves no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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