USDA VS FHA in Belleville, Essex County, NJ

In 2025, the USDA loan limit for single-family homes in Belleville, Essex, NJ stands at $0, while the FHA cap is $1,089,300.

Try out the Lendersa® USDA loan calculator to compare the top rates between USDA and FHA loans. Evaluate the income, credit score, reserves, and documents necessary for eligibility. Our advanced mortgage calculator gives you a side-by-side look at USDA, FHA, Conforming, and VA loans, helping you determine which option in aligns best with your financial circumstances.

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2025 Loan Limits and Down Payment Needs in Belleville, Essex County, NJ

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

Discover USDA and FHA Loan Opportunities in Belleville, NJ

Lendersa® is dedicated to securing you the best USDA or FHA loan promptly and efficiently. Choose from these three starting methods to find lenders and USDA loan programs that suit your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan is a government-backed mortgage from the Department of Agriculture, often called the USDA rural development loan, available only in rural areas. It requires no down payment, unlike FHA loans, which require a minimum of 3.5% down.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Revolutionary Mortgage Company
  • 9099 Ridgefield Drive, Suite 104, Frederick, MD, 21701
  • Revolutionary Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Paragon Home Loans, Inc
  • 225 Greenfield Parkway, Suite, Suite 207, Liverpool, NY, 13088
  • Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, Paragon Home Loans focuses exclusively on the residential mortgage needs of its customers. We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning.
  • Boardwalk
  • 361 Newbury Street, Fifth Floor, Boston, MA, 02115
  • Boardwalk is a private firm that offers liquidity to small business owners who may also seek transition of day-to-day management. Our goal is to partner with owners to build long-term value, one business at a time. Boardwalk looks for companies with a history of profitable growth and a loyal client base.
  • Boston Realty Funding
  • 404 Neponset Ave, Dorchester, MA, 02122
  • We promise to provide exceptional customer service, competitive rates and a fast response. We have established relationships with lenders throughout the country and are able to get your loans financed quick. Boston Realty Funding is committed to providing a solution to your real estate financing needs.
  • THE MORTGAGE CONNECTION LLC
  • 1370 Dorchester Ave, Suite 24, Dorchester, MA, 02122
  • 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.
  • Apex Capital
  • 12 Ericsson St, Boston, MA, 02122
  • Apex Capital is a private investment firm specializing in real estate secured credit investments throughout the Northeast United States We provide our real estate investor clients with bridge financing to purchase, refinance, construct, or renovate their residential and commercial investment properties when traditional lenders.
  • First Boston Capital Partners
  • 859 Willard Street Suite 501, Quincy, MA, 02169
  • First Boston Capital Partners, has been funding home builders for over 60 years and originated over $1 billion in loans since 2012. We provide short-term bridge capital to developers and investors for acquisitions, ground-up construction, or renovations throughout southern New England—focusing on the Greater Boston area. As one of the largest, most
  • Quincy Credit Union
  • 100 Quincy Avenue, Quincy, MA, 02169
  • Quincy Credit Union is proud to be celebrating 80 years of providing outstanding financial service to its members. From competitive interest rates and many no-fee products and services, it remains our commitment every day to help members meet their financial goals. At QCU, we are dedicated to providing exceptional service as part of our “people hel