USDA and FHA Pro and Con in Bergenfield, Bergen County, NJ

The USDA loan limit for 2025 in Bergenfield, located in the county of Bergen, NJ, is $0, while the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, determining the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator enables you to see USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in aligns best with your financial needs.

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Loan Limits and Downpayment Requirements for 2025 in Bergenfield, Bergen, NJ

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

Exploring USDA and FHA Loan Options in Bergenfield, NJ

Lendersa® is committed to quickly securing the most suitable USDA or FHA loan for you without hassle. Choose one of the three starting points to connect with matching lenders and USDA loan programs.

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Understanding USDA Loans in NJ

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is government-backed by the Department of Agriculture and is available only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment.

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



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  • Williamsville Federal Credit Union to serve our member’s by providing convenience, exceptional service with advanced products. Williamsville Central School District Employees have an opportunity to become a member of the Williamsville FCU It is a not-for-profit financial institution owned and controlled by the members and is operated for your benef
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