FHA VS Conventional loan programs in 2026 for Woodcliff-Lake, Bergen County, New Jersey

In 2026, the conventional loan limit in Woodcliff-Lake, within the county of Bergen, NJ, is set at $970,800. For a single-family residence, the FHA limit is $970,800.

Utilize the Lendersa® Conventional loan calculator to evaluate and compare today's best rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator showcases Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in deciding which program fits your financial needs in NJ.

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Loan limits and down payment requirements for 2026 in Woodcliff-Lake, Bergen, NJ

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

This table applies to the following zip codes: 7677

Explore Conventional and FHA loan options in Woodcliff-Lake, NJ

Lendersa® is committed to helping you find the best possible loan, whether it's Conventional, USDA, or FHA, quickly and without hassle. Choose one of three starting options to discover matching lenders and appropriate loan programs.

Lendersa USDA loan request and matching results


  • Mortgage Producers
  • 2755 106th St, Urbandale, IA, 50322
  • With over 20 years of helping Iowans find home loans with low interest rates under our belts, our role in your home buying experience is much more than simply finding you the right mortgage. We’re here to help you explore your options, understand each thoroughly, and choose the best option for your future.

  • Omaha FHA Mortgage Lender
  • 2753 99th St, Urbandale, IA, 50322
  • FHA mortgage loans are an attractive mortgage solution for a purchase or refinance because today's FHA mortgage rates are near historic lows. The guidelines are also flexible allowing more people to qualify. Whether you have had credit issues in the past or are simply looking to limit your down payment to 3.5%,

  • Community Bank of Marshall
  • 811 W. College St, Marshall, MO, 65340
  • Community Bank of Marshall, Missouri, was chartered in 1977 and opened for business in 1978. TO SERVE THE FINANCIAL NEEDS OF OUR COMMUNITY, ITS BUSINESSES AND ITS CITIZENS is our Mission Statement and it is my responsibility to make certain that the staff of the bank continues to achieve this goal.

  • Money Street Mortgage, LLC
  • 31119 US HIghway 19 N, Palm Harbor, FL, 34684
  • Our focus is on you, the customer. Whether you are thinking about buying a new home or refinancing your existing home, we have the experienced and hardworking home loan experts that you need on your side. Our staff knows that our work ethic and knowledge about the entire home buying process sets us apart as the premier mortgage broker.

  • Patriot Lending Services, Inc.
  • 36470 US Highway 19, Palm Harbor, FL, 34684
  • Patriot Lending has been in business since 1994, helping clients with all of their financing needs. Patriot Lending has branch locations in Pittsburgh, Pennsylvania and Spring Hill, Florida. Our loan officers and support staff are dedicated to providing the highest quality customer service, & building relationships with our investors and clients.

  • Progressive Ozark Bank
  • 368 S. Main Street, Hartville, MO, 65667
  • At Progressive Ozark Bank, we understand that how we do things has a tremendous impact, both in the workplace and in our communities. Since Progressive Ozark Bank opened its doors in 1965, our goal has been to offer a friendly, locally-owned banking experience to serve the personal and business banking needs of the people.

  • Midwest Heritage Bank
  • 3580 Ep True Pkwy West Des, West Des Moines, IA, 50265
  • At Midwest Heritage, a Hy-Vee company, is a full service financial center offering banking, investments and insurance.

    We believe that your time is important. That’s why we offer extended business hours, seven days a week at our six in-store Hy-Vee locations. We also offer two branch locations in West Des Moines and Chariton, Iowa.

  • State Savings Bank
  • 4800 Mills Civic Parkway, Suite 100, West Des Moines, IA, 50265
  • The State Savings Bank mission begins with you because without you, there would be no we! We come to work each day for you— to listen to your financial goals, to understand your financial problems, and to offer guidance, advice and solutions that meet your goals. Safety, timeliness, fairness, trust, quality products and services are essential.

  • LoanFlight Lending, LLC
  • 4343 Anchor Plaza Pkwy Ste 170, Tampa, FL, 33634
  • "LoanFlight Lending is licensed by the U.S. Department of Housing and Urban Development as a Title II Mortgagee and a FHA approved licensed mortgage lender.
    Here at LoanFlight Lending, a privately held mortgage lender, we excel at the forefront of technology driven mortgage marketing and origination. Using vast national experience,"

  • CORE FINANCIAL, INC
  • 8401 J R Manor Dr #100, Tampa, FL, 33634
  • CORE Financial, is ready to give you and your loan the service and attention it deserves. We have 15 years of experience at your service. We make it our mission to keep you headache-free during your entire loan process. Whether this is your first financing, a loan for remodeling, refinancing your home, or just simple debt consolidation