USDA Vs. FHA Pro and Con comparison in Bogota, Bergen County, NJ

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

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Bogota, county of Bergen, NJ

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

USDA and FHA loan options in Bogota, NJ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Jersey?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Sunstate Mortgage LLC
  • 12769 Forest Hill Blvd, Suite 1A, West Palm, FL, 33414
  • sunny South Florida, we are committed to making the mortgage process as simple as possible help make your dreams of becoming a homeowner a reality and also We can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, renewals and mortgages for self employed.
  • 5 Star Financial Group - Tampa Mortgage Lender
  • 1503 South US Hwy 301, STE 109, Wellington, FL, 33414
  • 5 Star Financial Group your resource for all your Tampa Bay mortgage and real estate needs. We offer many different types of home loan products along with many refinance options. Tampa Bay USDA loans are one of our biggest specialties. The USDA loan or rural development loan is a great program that can get you in a new home with no money down.
  • 1st Mortgage Solution
  • 420 FL-7 #174, Wellington, FL, 33414
  • 1st Mortgage Solution group, Inc is a mortgage Broker Company. we are licensed in Florida . we work to help you find the best refinance options for your individual needs We have partnered with some of the best Home Loan providers in the country to ensure that you receive the best refinance options available
  • Gold Star Mortgage Financial Group
  • 13889 Wellington Trace, Suite A2, Wellington, FL, 33414
  • Founded in 2000 and headquartered in Ann Arbor, MI, Gold Star Mortgage Financial Group, Corporation is a direct lender and one of the nation’s premier mortgage companies, originating billions in home loans across the United States. Named one of the fastest growing companies by Inc.
  • McGuire Lending Group
  • 6170 FL-70 Suite 102, Bradenton, FL, 34203
  • We are committed to 100% customer satisfaction! Our goal is to take a complicated mortgage situation and create a simple solution to help you reduce debt, maximize your cash flow and create wealth. We help our borrowers integrate the mortgage loan they select into their overall long-and short-term financial and investment goals.
  • Multiline Mortgage Services Inc
  • 7711 9th Ave Drive NW, Bradenton, FL, 34209
  • Multiline Mortgage Services, Inc. We are a Mortgage Broker licensed in Florida, Georgia and Iowa. It is our pledge to all clients to work with the utmost integrity, respect, patience, and transparency to teach the loan process so our clients know how their money is being spent. No question is insignificant.
  • JZ Mortgage Services, Inc.
  • 7815 2nd Ave NW, Bradenton, FL, 34209
  • JZ Mortgage Services, Inc., our certified brokers value integrity more than anything else. We are here to answer your questions, free of charge, and schedule a complimentary consultation at your convenience. No matter what part of the homebuying process you are in, we can help guide you.
  • First Financial Bank in Winnebago
  • 1 Main Street South, Winnebago, MN, 56098
  • First Financial Bank has been foundational in the community of Winnebago and surrounding area since beginning in 1870. It remains "Rooted in the Community" providing "Big Bank" services with small town service to our customers' personal, commercial, and agricultural banking needs.