FHA VS Conventional loan programs in Kearny, Hudson County, New Jersey

In 2025, the Conventional loan limit in Kearny, situated within Hudson county, NJ, is $1,089,300, whereas the FHA limit for a single-family home is $1,089,300.

Use the Lendersa® Conventional loan calculator to evaluate today's best rates across Conventional, FHA, and USDA loans. Determine the necessary income, credit status, reserves, and documents required for qualification. Our advanced mortgage calculator allows for side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding you in selecting the most suitable program in NJ for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Kearny, Hudson, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $0 0%
FHA $1,089,300 3.5%

This table applies to the following zip codes: 07032, 07099

FHA and Conventional Loan Choices in Kearny, NJ

The mission of Lendersa® is to ensure you obtain the best available Conventional, USDA, or FHA loan swiftly and without hassle. Start with one of three approaches to connect with fitting lenders and loan programs.

Results for USDA loan requests accessed via Lendersa


  • Farmers & Merchants Bank of Colby
  • 240 W 4th ST, Colby, KS, 67701
  • Farmers & Merchants Bank is Colby's only locally chartered community bank with two locations in Colby for customer convenience. We are a full service institution to satisfy all the financial needs of our customers! We are proud to be a part of Colby and NW Kansas. As a local community bank, we understand the importance.
  • The Closing Table
  • 18518 Garden Bloom Lane, Cypress, TX, 77433
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Calvary Mortgage LLC
  • 16231 Mission Tejas Place, Cypress, TX, 77433
  • We're a Christian/Veteran owned company with 25+ years of experience, that utilizes the most advanced technology, making things fast & easy, while offering the most competitive rates, lowest fees & best service around! NMLS ID 1570349 Equal Housing Lendervanced technology, making things fast & easy
  • C&T Mortgage, Inc
  • 16718 House Hahl Rd, Cypress, TX, 77433
  • C&T Mortgage, Inc Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Texas. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers.
  • First Continental Mortgage, Ltd
  • 11011 Richmond Ave, Suite 800, Houston, TX, 77042
  • First Continental Mortgage, Ltd. is a full-service mortgage banking company committed to developing and nurturing relationships with REALTORS®, home builders and our customers. As a company, our Core Values define what we stand for and represent our commitment to each other and to our customers
  • Network Funding, LP
  • 9700 Richmond Ave, Suite 320, Houston, TX, 77042
  • We're a mortgage lender that's earned a reputation for integrity, reliability, and simplicity, by placing principles and people before profit, keeping the loan process simple, and finishing the job on time. Whether you're looking for a lender you can rely on or an employer you can trust, we hope that you will choose to follow, join
  • Capital Concepts, Inc.
  • 11200 Westheimer Rd, Suite 777, Houston, TX, 77042
  • At Capital Concepts, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service – putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism
  • Pinnacle Mortgage
  • 2825 Wilcrest Dr, Suite 570, Houston, TX, 77042
  • Pinnacle Mortgage Company is a private commercial real estate lender based in Houston, Texas specializing in small balance commercial real estate loans. When the company was founded in 1992, its original focus was as an intermediary in arranging debt and/or equity for all types of real estate across the United States.
  • Capital Concepts
  • 11200 Westheimer, Suite 150, Houston, TX, 77042
  • "Trying to find the right home loan can be difficult. Finding the right company to help you get your loan can be even more confusing. With literally thousands of lenders to choose from, borrowers can easily become overwhelmed. Fortunately, at Capital Concepts, our mission is to set a high standard in the mortgage industry. "
  • Victory Home Loans
  • 1840 Acton Highway, Granbury, TX, 76049
  • Victory Home Loans was founded in 1993. Victory Home Loans is a local, family owned and operated mortgage company with YOU in mind. Our goal is to help every home buyer or homeowner win by providing access to home loan options with lower costs, faster closings with an easier and more predictable process.
  • Chocolate Bayou Credit Union
  • 1301 North Highway 35 Bypass, Alvin, TX, 77511
  • Chocolate Bayou Credit Union serves those who live, work, or worship in Brazoria County. We offer affordable, quality financial products and services like loans, checking and savings accounts, and more. Credit Union serves those who live, work, or worship in Brazoria County. We offer affordable, quality financial products and services.
  • First Service Credit Union
  • 16430 Park Ten Place, Houston, TX, 77084
  • First Service Credit Union is proud to say that we’re “For You, Not Profit.” We put our commitment to customers front & center. As a not-for-profit financial cooperative, First Service was started with a distinct purpose: to serve our members and help them reach their financial goals without having to worry about paying investors or shareholders.