FHA VS Conventional loan programs in West-Caldwell, Essex County, New Jersey

In 2026, the conventional loan limit in West-Caldwell, within the county of Essex, NJ, is $970,800. In contrast, the FHA limit for a single-family home is set at $970,800.

The Lendersa® Conventional loan calculator allows you to evaluate today's top rates among Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and what documentation is required to qualify. Our advanced mortgage calculator enables side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, helping you decide which program best meets your financial needs in NJ.

Examine loan offers from a variety of 100 lenders

2026 Loan Limits and Down Payment Requirements 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%

This table is applicable for zip codes: 07006, 07007

Exploring Conventional and FHA Loan Options in West-Caldwell, NJ

At Lendersa®, our aim is to connect you quickly with the best possible Conventional, USDA, or FHA loans with minimal hassle. Choose one of three starting points to find lenders and programs best suited to your situation.

View the results from Lendersa USDA loan requests and matches


  • HomePromise Corporation
  • 60 South Washington Street, Suite 106, Greencastle, PA, 17225
  • HomePromise helps you find the loan that is right for you.We make the entire lending process easy, fast, & more efficient—& we do it all with a passion for helping you get the money you need & the respect you deserve.Whether you want to pay off high interest credit cards, refinance, or simply need cash, HomePromise can help you get the loan you nee

  • Boston Private
  • 10 Post Office Square, Boston, MA, 02109
  • Boston Private We bring together a full spectrum of wealth, trust and banking services to give you the one trusted resource you need to simplify and strengthen your financial life. and also Boston Private is a bank with operations in four states. Boston Private offers numerous mortgage programs including conventional, jumbo, non-owner occupied, Hom

  • Investors Choice Lending
  • 8 Faneuil Hall Marketplace 3rd fl, Boston, MA, 02109
  • Investors Choice Lending is a private hard money lender offering Boston’s real estate investors a unique opportunity to secure the funds they need. When you’ve got eyes on your next investment property, there’s nothing you want more than to close quickly and without hassle.

    We’ve aligned ourselves with many National lending resources.

  • Cabot Boston Credit Union
  • 2 Seaport Ln, Suite 1400, Boston, MA, 02210
  • "Cabot Boston Credit Union has been open since 1941. The credit union has assets totaling $7.32 Million and provides banking services to more than 800 members. Cabot Boston Credit Union Providing services to Cabot US Based
    Employees since 1941. Cabot Boston Credit Union (inc) is located in Boston, MA, United States."

  • Philly Hard Money Loans
  • 300 A Street, Suite 101, Boston, MA, 02210
  • Philly Hard Money Loans is an affiliate of Crowd Lending Inc. PHML is a Local Direct Hard Money Lender. PHML provides fast, flexible, and direct funding to investors, builders, and developers for investment real estate.PHML directly funds the acquisition and renovation of investment real estate.

  • Enterprise Bank and Trust Company
  • 222 Merrimack Street, Lowell, MA, 01852
  • Enterprise Bank was founded through the entrepreneurial vision of George L. Duncan in 1988. We are headquartered in Lowell, Massachusetts, with branch locations throughout the Merrimack Valley and North Central regions of Massachusetts, as well as Southern New Hampshire.For over 30 years, Enterprise Bank has been supporting the financial needs of b

  • The Lowell Five Cent Savings Bank
  • 34 John Street, Lowell, MA, 01852
  • Locally governed and managed with over 165 years of strength and stability, Lowell Five is a service-oriented community bank providing comprehensive mortgage and loan products in excess of $20 million, extensive deposit and cash management products and services, and investment and insurance products for individuals, businesses, municipalities

  • Mills42 Federal Credit Union
  • 83 Merrimack Street, Lowell, MA, 01852
  • We are a small but mighty federal credit union serving Greater Lowell, Massachusetts and surrounding communities. And we’re standing ready to help you achieve your financial goals. Whether it be through sitting down with you to create a budget or working with you to buy your first home, our focus is to help you build from here.

  • Align Credit Union
  • 40 Market Street, Lowell, MA, 01852
  • "Since 1922, Align Credit Union has provided customized banking solutions to individuals and families throughout Northeastern Massachusetts and Southern New Hampshire.

    Align offers a full suite of products and services including Personal and Business Banking, Mortgages, Financial Planning and Insurance."

  • Addison Mortgage Consultants
  • 5 Hillcrest Dr, Suite B203, Frederick, MD, 21703
  • Addison Mortgage Consultants, 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. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Northern Bank & Trust Company
  • 275 Mishawum Road, Woburn, MA, 01801
  • Since 1960, Northern Bank has been the banking partner of choice for businesses and consumers throughout New England. We take an entrepreneurial, commonsense approach to providing a complete line of banking solutions. We are deeply invested in the communities we serve and passionately committed to helping you, our customers, grow.