In 2026, the specified loan limit for a conventional mortgage in Paterson, within the county of Passaic, NJ, is $1,089,300. For a similar type of property, the FHA loan limit is set at $1,089,300.
Utilize the Lendersa® Conventional loan calculator to compare the current top rates of Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator contrasts USDA, FHA, and VA loans, helping you choose the best program that aligns with your financial status in NJ.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $1,089,300 | 3% |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
These details are applicable to the following zip codes: 07524
The purpose of Lendersa® is to facilitate obtaining an optimal Conventional, USDA, or FHA loan quickly and simply. Begin with one of three options that steer you to suitable lenders and loan programs.
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