FHA VS Conventional loan programs in Montvale, Bergen County, New Jersey

For the year 2026, in the city of Montvale, located in the county of Bergen, NJ, the loan limits for Conventional loans and FHA loans on single-family homes stand at $1,089,300 and $1,089,300, respectively.

Using the Lendersa® Conventional loan calculator, you can assess the top rates currently available for Conventional, FHA, and USDA loans, along with the income, credit, reserves, and documents required to qualify. Our state-of-the-art mortgage calculator allows side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, helping you decide which program in NJ suits your financial needs best.

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2026 loan limitations and down payment specifications in Montvale, Bergen, NJ

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

This table corresponds to the zip codes: 7645

Options for Conventional and FHA loans in Montvale, NJ

Lendersa® is committed to securing the most favorable Conventional, USDA, or FHA loan swiftly and effortlessly for you. Choose one of the three starting options that lead to tailored lender and loan program matches.

Lendersa’s USDA loan request and matching results


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  • Bank of Washington
  • PO Box 377, Washington, MO, 63090
  • The Bank of Washington, headquartered in Washington, Missouri, is proud to be the oldest and largest independently owned bank in Franklin County. Since 1877, as a community bank we have focused on hometown friendliness, personal attention and treating every customer like family. The spirit of the Bank of Washington is deeply rooted.

  • Franklin Mortgage Company, L.L.C.
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  • Hannibal National Bank
  • 100 N Main St, Hannibal, MO, 63401
  • HNB Bank, n.a. was originally organized in May1888 as the Bank of Hannibal. The building on the corner of Main & Broadway in Hannibal, Missouri was constructed in 1889 and today, remains the bank’s corporate headquarters. In 1903 the bank applied for and was granted a national charter and became Hannibal National Bank.

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  • 505 Broadway, Hannibal, MO, 63401
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  • CCFBank
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  • 409 Vanderbilt Street, Fairfax, IA, 52228
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