FHA VS Conventional loan programs in 2025 for Oakland, Bergen County, New Jersey
In 2025, the conventional loan limit in Oakland, located in Bergen county, NJ, is set at $1,089,300, whereas the FHA limit for a single-family residence is $1,089,300. Knowing these limits helps buyers understand their borrowing capacities within these regions.
Employ the Lendersa® Conventional loan calculator to evaluate today’s most competitive Conventional, FHA, and USDA rates. This tool helps determine the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator lets you view Conforming Conventional loans, USDA, FHA, and VA options side by side, guiding your decision on which program in NJ best fits your financial picture.
2025 Loan Limits and Down Payment Necessities in Oakland, County of Bergen, NJ
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$1,089,300
3%
USDA
$0
0%
FHA
$1,089,300
3.5%
Note: This comparison table applies to the following zip codes: 7436
Explore Conventional and FHA Loan Options in Oakland, NJ
Lendersa® aims to swiftly connect you with prime Conventional, USDA, or FHA loan opportunities, reducing hassle. Choose from three starting points that lead to matching lenders and loan programs tailored for you.
The CommunityAmerica story began on March 19, 1940. We were founded by George Duvall, who believed airline employees would appreciate a credit union dedicated to them. He was right, and TWA Club Credit Union, as we were originally known, took off.In 1992, as the Credit Union continued to grow, it changed its name to Members America Credit Union.
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