FHA VS Conventional loan programs in 2026 for River-Edge, Bergen County, New Jersey

In the year 2026, the conventional loan limit in River-Edge, within the county of Bergen, NJ, is established at $970,800. For a single-family home, the FHA loan cap is fixed at $970,800.

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Take advantage of the Lendersa® Conventional loan calculator to gain insights into today's most competitive rates among Conventional, FHA, and USDA loans. It aids you in determining income requirements, credit reserves, and necessary documentation to qualify efficiently. With our state-of-the-art mortgage calculator, you can seamlessly make side-by-side comparisons of USDA, FHA, VA, and Conforming Conventional loans, helping you to ascertain the ideal program in NJ that aligns with your specific financial needs.

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Detailed breakdown of loan limits and down payment requirements for 2026 in River-Edge, within Bergen county, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $0 0%
FHA $970,800 3.5%

This comparison table pertains to the zip codes: 7661

Exploring your options: Conventional and FHA loans in River-Edge, NJ

The ambition of Lendersa® is to connect you with the finest possible Conventional, USDA, or FHA loans in a swift, uncomplicated manner. Initiate your journey by choosing one of three recommended starting points that will guide you to a selection of well-matched lenders and loan programs uniquely suited to your requirements.

  1. Submit a comprehensive request for optimal Conventional/USDA/FHA loan offers
  2. Investigate prevailing Conventional, USDA, and FHA rates & terms thoroughly
  3. Access the most extensive directory of Conventional lenders
Lendersa USDA loan request and matching results



  • Harvard University Employees Credit Union
  • PO Box 382609, Cambridge, MA, 02238

  • Harvard University Employees Credit Union is a not-for-profit financial institution, founded in 1939 by employees and serving all Harvard affiliates and teaching hospitals, including faculty, students, alumni, post-docs, fellows, and more.

    Harvard affiliates and their family are eligible to join.

  • Nextgen Mortgage, Inc
  • 20 Trafalgar Square, Suite 626, Nashua, NH, 03063

  • Nextgen Mortgage, Inc., is a leading mortgage broker in New England focused on getting our clients the best savings possible. We do not charge application fees, rate lock fees and there are no upfront costs, whatsoever. If we cannot get your loan approved and closed, we do not make a penny.

  • Colonial Federal Savings Bank
  • 15 Beach Street, Quincy, MA, 02170

  • Since 1889, Colonial Federal Savings Bank has been “your neighborhood bank”. As the only remaining mutual savings bank founded in the City of Quincy, we are aware that nothing replaces the understanding, thoughtful, and individual service that is only available through personal contact.

  • Barry Rabinovitz - Classic Homes Real Estate
  • 12 Beach St, Quincy, MA, 02170

  • Classic Homes Real Estate is a well established (over 33 yrs), successful, independently owned and operated full service residential real estate agency.
    We are not a traditional “cookie cutter” real estate agency. Even our office is different. We’ve restored a residential home in the heart of Wollaston Center, and filled it with a caring.

  • Rockland Federal Credit Union
  • 241 Union St, Rockland, MA, 02370

  • Our mission is to provide our members with quality, affordable financial services in a responsible, efficient, professional, & convenient manner. Deposits are insured through the National Credit Union Administration & the MA Share Insurance Corporation. Rockland Federal Credit Union is a federally chartered credit union, established in 1922.

  • Rockland Trust
  • 288 Union St, Rockland, MA, 02370

  • We build strong relationships with our customers, helping business owners grow their companies, and helping individual consumers be successful by providing straightforward products and convenient service. Our success is based on having respectful and knowledgeable bankers, as well as robust technology available to our customers.

  • Mortgage Corp East
  • 800 Hingham Street, Suite 104N, Rockland, MA, 02370

  • Mortgage Corp of the East III was organized as a Massachusetts corporation in May of 1988. Michael Aizenstadt is the founder and President of Mortgage Corp East. Our primary business focus is on the origination of residential mortgages in the state of Massachusetts, licensed as a direct lender.

  • Edward Voccola & Co. LLC
  • 75, Arlington Street, Suite 500 Boston, MA 02116, Boston, MA, 02116

  • Edward Voccola & Co. LLC – Commercial Real Estate Financing
    Commercial & Project Finance, Joint Venture Lending, Construction, Hotels, 100% Bond & Equity Financing, US & Worldwide

    We offer the following kinds of loans;
    * Personal Loans (Unsecured Loan), * Business Loans (Unsecured Loan), * Commercial Real Estate Loans, * Construction Loans, *


  • UC Funds
  • 745 Boylston Street, Boston, MA, 02116

  • UC Funds is a national balance sheet provider of both debt and equity capital solutions that has provided over $3 billion dollars of capital solutions since 2010. UC Funds provides quick, reliable and customized financial solutions throughout the entire capital stack, including joint venture equity.

  • Northeast Bank
  • 200 Berkeley Street, 17th Floor, Boston, MA, 02116

  • Northeast Bank (NASDAQ: NBN) is a full-service bank headquartered in Portland, Maine. We are both an experienced, balance sheet lender offering speed, certainty of execution and creativity to structure loan originations and acquisitions nationally, and a full-service bank serving customers in Western, Central, and Southern Maine

  • Edward Voccola & Co., LLC
  • 75 Arlington Street, Suite 500, Boston, MA, 02116

  • Edward Voccola & Co. LLC is a Private Equity & Joint Venture financial company based in New York City and have offices throughout the U.S & Internationally, We have a dedicated team of financial experts in commercial real estate finance and project funding delivering creative financing solutions consistently to worldwide clients.
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