For 2026, the USDA loan cap in West-New-York, located in Hudson, NJ, is set at $0, whereas the FHA ceiling is $822,375 for single-family homes.
Use the Lendersa® USDA loan calculator to assess current USDA versus FHA rates. Determine the income, credit, reserves, and paperwork needed for qualification. Our cutting-edge mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in choosing the most suitable program for your financial situation in
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| Loan Type | Loan Cap | Down Payment |
| USDA | $0 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The goal of Lendersa® is to quickly and smoothly connect you with the best USDA or FHA loan. Choose any of the three starting options to connect with lenders offering USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also called the USDA rural development loan or USDA mortgage, serves rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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