FHA VS Conventional loan programs in Totowa, Passaic County, New Jersey

In 2026, the conventional loan limit for a single-family home in Totowa, county of Passaic, NJ, is $1,089,300, whereas the FHA limit is $1,089,300.

Use the Lendersa® Conventional loan calculator to effectively compare today's prime rates among Conventional, FHA, and USDA loans. Assess the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, assisting in selecting the ideal program for your financial situation in NJ.

Explore loan offers from 100 lenders

2026 Loan Limits and Down payment Requirements in Totowa, County of Passaic, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This table applies to the following zip codes: 07512, 07511

Conventional and FHA Loan Options in Totowa, NJ

The goal of Lendersa® is to provide access to the best possible Conventional, USDA, or FHA loan efficiently and with ease. Select one of three starting points that align with matching lenders and programs.

View outcomes of Lendersa USDA loan requests and matches


  • Saab Mortgage
  • 8230 Boone Blvd, Suite 370, Vienna, VA, 22182
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates

  • A Money Matter Mortgage Inc
  • 8229 Boone Blvd, Suite 230, Vienna, VA, 22182
  • We offer the best mortgage tools available on the Internet - easy, convenient, on-line shopping for the best loan programs and most current rates available, together with the assistance of an experienced, "live" loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan.

  • Mortgage One Solutions
  • 8609 Westwood Center Drive, Suite 200, Vienna, VA, 22182
  • We are a Full-Service Direct Lender who originates all types of residential loans. We have over 20 years of experience in the Mortgage Industry. On-site processing, underwriting, and funding teams committed to closing your loans on time. Our team is dedicated to offer our brokers and borrowers a high standard of customer service.

  • DEVAL LLC
  • 8230 Leesburg Pike, Suite 600, Vienna, VA, 22182
  • At DEVAL LLC we hold ourselves to the highest standards of customer service, working honestly and fairly with all of our customers and clients. We provide services to address our customers’ unique circumstances, including numerous payment options, extended hours of operation and associates who are trained to provide knowledgeable assistance.

  • City Lending, Inc
  • 8150 Leesburg Pike, Suite 405, Vienna, VA, 22182
  • City Lending, we know the importance of investing in a home. We understand it can be a scary & sometimes overwhelming process but we aim to make it easy.Our goal is to help borrowers of all experience levels to overcome hurdles that may stand in their way, so they can quickly & painlessly move forward with all of their home related aspirations.

  • United 1 Mortgage
  • 8100 Boone Blvd Suite 450, Vienna, VA, 22182
  • United 1 Mortgage Corp, our mission is to set a high standard in the mortgage industry.We are committed to quality customer service – about putting the people we serve first.Our goal is to carefully guide you through the home loan process so that you can confidently select the best mortgage for you & your family from the many mortgage options.

  • Trustworthy Mortgage
  • 1964 Gallows Road, Suite 350, Vienna, VA, 22182
  • Trustworthy Mortgage is a locally owned & operated both Mortgage lender & broker company serving Virginia, Maryland, District of Columbia, Texas, & Florida. Our cutting edge technology and commitment to superior customer service has set us apart from our competition.We are especially well known & have an excellent reputation in our licensed areas.

  • Buckingham Mortgage, LLC
  • 1593 Spring Hill Road, Suite 100, Vienna, VA, 22182
  • BFGUSA was created from the vision of its founders to provide exceptional mortgage banking services for its residential, commercial, and business clients. Our strong lender relationships allow us to tailor niche loan programs for hard-to-fund loans. Our clientele ranges from high-end boutiques to credit challenged consumers.

  • CommonWealth One Federal Credit Union
  • 4875 Eisenhower Avenue, Alexandria, VA, 22304
  • CommonWealth One Federal Credit Union has been helping its members achieve a better way of life through convenient banking, specialized loans, savings plans, investments, financial tools and education programs for more than 70 years.

    From our origins in 1944 as the Army Air Force Annex #1 Credit Union with 94 members

  • MidAtlantic Financial Group, Inc
  • 433 Clayton Lane, Alexandria, VA, 22304
  • MidAtlantic Financial Group Inc. take pride in providing you with excellent service and appreciate the opportunity to assist you with your Mortgage Needs. At MidAtlantic Financial Group Inc, we will find the loan that is perfect for your scenario. No matter your needs we are here to help!

  • Healthcare Systems Federal Credit Union
  • 3300 Gallows Road, Falls Church, VA, 22042
  • We are Healthcare Systems Federal Credit Union. The term “credit union” can be confusing, so here's a little bit more about what we are and what we believe.

    We have the same financial services as a bank, with a few major differences;

    Our members own this financial institution; banks are owned by their stockholders.

  • Ledyard National Bank
  • 74 South Main Street, Concord, NH, 03301
  • At Ledyard, you get more than just bankers with knowledge, expertise and local decision-making capabilities. Ledyard offers true partnerships. Every member of our team is part of the community, providing us with the additional insight to develop personalized solutions for each client. Individuals and families have come to rely on us to provide