Explore the differences! FHA VS Conventional loan programs in West-Caldwell, Essex County, New Jersey

In 2025, Convetional loan limit in West-Caldwell, county of Essex, NJ is $970,800 while FHA limit is $970,800 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 West-Caldwell, county of Essex, NJ

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

The comparison table applies to zip codes: 07006, 07007

Conventional and FHA loan options in West-Caldwell, 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


  • Allstate Capital Group
  • 1600 Boston-Providence Hwy, Walpole, MA, 02081
  • Allstate Capital Group specializes in providing customized loans to investors, builders and developers in need of funding outside the scope of traditional banks. We also offer direct FHA HUD Lending programs starting at 2.55%, No Points, 35 Year Fixed. We are known for speed, service and integrity.
  • Concord Mortgage
  • 8441 Winding Trail, Laurel, MD, 20724
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - 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 and your family from the many mortgage options that are available today.
  • Syracuse Fire Department Credit Union
  • 211 Wilkinson Street, Syracuse, NY, 13204
  • The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.
  • APL Federal Credit Union
  • 11050 Johns Hopkins Road, Laurel, MD, 20723
  • Our members entrust us with the enormous responsibility of helping them reach their financial goals. Everyone at APL FCU works tirelessly to be worthy of that trust, and to create the best member experience possible. If you live, work, regularly conduct business in or attend school in Howard County, Maryland.
  • Market USA Federal Credit Union
  • 8871 Gorman Road, Suite 100, Laurel, MD, 20723
  • Market USA, a full-service financial institution, was originally chartered in 1953 to serve Giant Food employees in the Mid-Atlantic region. Throughout the years our membership has grown to include additional grocery store chains such as Giant of Carlisle, Stop and Shop, and BI-LO, as well as over 80 select employer groups.
  • MutualOne Bank
  • 49 Main Street, Natick, MA, 01760
  • Headquartered in Framingham, we are able to offer our customers the benefit of local decision making from people who live & work in their community. This allows us to support the local economy & the organizations that work so hard to strengthen it. MutualOne Bank meets the needs of its customers with a variety of checking, savings, consumer loan.
  • Savings Bank of Walpole
  • 68 Ames Plaza Ln, Walpole, NH, 03608
  • Savings Bank of Walpole is a state chartered mutual savings bank insured by the Federal Deposit Insurance Corporation (FDIC). We are a financial institution like no other in our market, a financial institution without a shareholder, a mutual bank. Here today, and prepared for tomorrow. Providing the best in banking values — we are your advocat
  • Clarksville Mortgage Corporation
  • 5533 Adams Ridge Rd, Clarksville, MD, 21029
  • Clarksville Mortgage Corporation, where we specialize in residential mortgages. At Clarksville Mortgage Corporation, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Kish Bank
  • 4255 East Main Street, Belleville, PA, 17004
  • At Kish, we tell our customers to expect more. That’s more than a simple slogan—it’s a promise to deliver exceptional service as we work hard for our clients in all of our service lines: Banking, Wealth, Insurance, Benefits, and Travel. For over a century, solid and enduring values have made Kish Bank, the banking subsidiary of Kish Bancorp, I
  • Penn State Federal Credit Union
  • 123 Amberleigh Lane, Bellefonte, PA, 16823
  • Penn State Federal Credit Union has been open since 1959. The credit union has assets totaling $240.08 Million and provides banking services to more than 15, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups
  • Advantage Star Mortgage Corp
  • 14861 Meriwether Dr, Glenelg, MD, 21737
  • Advantage Star Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. and We offer a wide range of loan programs including: 30yr mortgage Conventional, Jumbo, VA and more