Explore the differences! FHA VS Conventional loan programs in Rutherford, Bergen County, New Jersey

In 2025, Convetional loan limit in Rutherford, county of Bergen, NJ is $1,089,300 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NJ is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Rutherford, 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%

The comparison table applies to zip codes: 7070

Conventional and FHA loan options in Rutherford, NJ

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Regal Equity Source Inc
  • 1545 Victory Boulevard, Suite 101, Glendale, CA, 91201
  • Regal Equity Source, Inc, our professional mortgage consultants can help you find the right mortgage tailored for you. We recognize that mortgages are not a one size fits all type of product as everyone has different needs and goals in life. The array of mortgage products that we offer allows us to help you put you on the right pathway.
  • Fidelity Funding Loans
  • 6618 San Fernando Road, Unit 209, Glendale, CA, 91201
  • Fidelity Funding Loans we understand that you are making one of the most important financial decisions and commitments of your life and we will guide you along the way to find the best product with the lowest rate tailored to your specific need. Whether you’re purchasing your first home, investing in a vacation home, buying an investment property.
  • CHATHAM MORTGAGE PARTNERS
  • 100 N Brand Blvd, Suite 320, Glendale, CA, 91201
  • Chatham Mortgage Partners, for over 25 years has served the Los Angeles area, providing a high trust approach to all customer lending needs, the Founder Joseph Chatham, instilled these core values during his 25 year tenure with the company, that is why today Chatham Mortgage Partners has helped more than Five thousand families and has built a reput
  • Straight deal mortgage
  • 300 PCH STE 405, Huntington Beach, CA, 92648
  • Discover home financing made easy with Straight Deal Mortgage! As a comprehensive Mortgage Brokerage, we connect you to a myriad of wholesale lenders, presenting a range of mortgage options tailored to your requirements. Rest assured, we're here to guide you in finding your ideal mortgage, ensuring you feel right at home with a trusted lender.
  • The Wright Loans
  • 2100 Main St, Suite 255, Huntington Beach, CA, 92648
  • At The Wright Loans, our commitment to transparency and educating the client separates us from our competitors. Our communication and negotiating skills are paramount to the value we create for his clients. As a referral business, the client’s satisfaction is the #1 priority. United American Mortgage Co is a full servimortgage Banker
  • Dove Lending Group Inc
  • 20422 Beach Blvd, Suite 305, Huntington Beach, CA, 92648
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • J&J Coastal Lending
  • 214 5th Street, Suite 205, Huntington Beach, CA, 92648
  • Our uncompromising integrity & dedication leads us to exceed customer expectations in all we do. You & your mortgage is our sole focus, & we make this process simple, fast & fun! It’s our promise to you. Working directly with Fannie Mae, Freddie Mac, (FHA & VA), & other portfolio mortgage loan programs. we’re able to provide the perfect mortgage.
  • Pazanti Home Mortgage Corporation
  • 2134 Main Street, Suite 140, Huntington Beach, CA, 92648
  • 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.
  • Oceanside Mortgage Corp
  • 18682 Beach Blvd, Suite 200, Huntington Beach, CA, 92648
  • We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process. We have a Large Variety of Loan Programs to fit your Mortgage Needs.