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

In 2025, the USDA loan limit for Bogota, within Bergen county, NJ, is $0. Meanwhile, the FHA limit for a single-family home stands at $1,089,300.

Leverage the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates available today. Determine the necessary income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting in selecting the ideal financial fit in .

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2025 Loan Limits and Down Payment Details in Bogota, Bergen, NJ

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

Options for USDA and FHA Loans in Bogota, NJ

Lendersa® aims to connect you with the best possible USDA or FHA loan swiftly and without hassle. Choose from three starting methods to match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan is government-backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. Available exclusively in rural areas, unlike FHA loans that require a 3.5% down payment, USDA loans need no down payment at all.

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



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  • 7400 East Arapahoe Road, Suite 109, Englewood, CO, 80112
  • We continually serve our clients to the best of our abilities, giving them the respectc and effort required to earn their business and receive the recommendations by offering them a variety of products, knowledge with transparency in the process and leaving them with the assurance that we are grateful for the opportunity.
  • Real Estate Investment Advisors LLC
  • 9200 E Mineral Ave, Suite 100, Centennial, CO, 80112
  • REIA, we think differently everything we do, we believe in challenging the industry norms. We believe Real Estate is the best way for average Americans to take control of their financial future. Whether you are buying a primary residence, a second home, an investment property, or a commercial building, there are so many ways to build wealth.
  • MortgageMint LLC
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  • The MortgageMint specializes in Jumbo Loans for clientele seeking non-conforming loan sizes over $625, 000 and up to $3, 000, 000. We offer jumbo loans with as little as 10% down payment. Our Colorado Jumbo Rates consistently beat the national average. and also Our Mortgage Rate Quotes / Estimates will provide you with the best rate.
  • One Source Lending LLC
  • 6860 South Yosemite Court, Suite 2000, Centennial, CO, 80112
  • One Source Lending are a Wholesale Mortgage Broker for the Purchase or Refinance of your Home. We are happy to provide a free comparison on any current quote you have with any other lender. We want you to know if your getting the best rate and lowest costs on typically the biggest transaction anyone makes in LIFE
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  • 9155 East Nichols Avenue, Suite 150, Centennial, CO, 80112
  • The Horn Funding Corp is a local & family owned Colorado based Mortgage Lender. Structured to be agile and qualitative, The Horn Funding Corp is the Non-Big Bank solution for people seeking mortgage financing. The employees of The Horn Funding Corp share the value system and strive to meet the needs and goals of ALL potential clients.
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  • "We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. We pride ourselves on the following: We Do What's Right For You 100% of the Time. Our customers save money and close their loans quickly"