For the year 2026, the USDA loan limit in Clifton, within Passaic county, NJ, is determined to be $776,600. The FHA loan limit for a single-family residence is $1,089,300.
Use the Lendersa® USDA loan calculator to evaluate and compare current best rates between USDA and FHA. Discover the income, credit, reserves, and documents necessary for qualification. This advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Clifton, Passaic County, NJ
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Clifton, NJ
The primary aim of Lendersa® is to provide you with the most suitable USDA or FHA loan, rapidly and effortlessly. Choose from one of three starting points to match with lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage from the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is exclusively available for properties in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require no down payment at all.
125 Kingsland Avenue, Suite 201, Clifton, NJ, 07014
Lends in New Jersey
Waring Investments, Inc. was founded in 1991. Owners and principals, Morris and David Spector, have successfully led Waring since its inception and have over 50 years of combined experience in the hard money loan business. They have distinguished the Company as a direct lender in the commercial-private and hard money real estate market.
Nova UA Federal Credit Union was chartered in 1959 as Self Reliance (Passaic, NJ) Federal Credit Union. Since inception, we have maintained the same sponsor and subsequently became a community charter.
Founded on the principle of people helping people, our credit union provided
FastUpFront has established itself as a leader in the lending industry. Our mission is to help businesses succeed by offering simple and effective programs for business financing with a focus on quality service.Our unsecured cash advance program for businesses makes borrowing money simple and quick without the strict application requirements normal
Funding Resources Mortgage Corporation on a platform of superior quality lending practices, uncompromising integrity and unprecedented client service. FRMC is a client-focused mortgage-banking firm designed to make every clients’ mortgage experience pleasant and successful. FRMC accomplishes this goal
XCEL Federal Credit Union is federally insured, regulated, and examined annually by both the federal government and an independent CPA firm. Each member’s deposits are insured to the $250, 000 maximum allowable limit by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. government.
At Reverse Mortgage Funding LLC (RMF), we are dedicated to helping older Americans live the retirement lifestyle that they imagined and deserve, in the comfort of their own home. Reverse mortgages are our only line of business, and meeting the needs of this important segment of our society is at the core of everything we do.
Dennis Viera mortgage broker, solely with the best interest of my clients in mind. With strong working relationships with over 20 lenders and a great network of realtors, I continue to find the perfect fit for my buyers while maintaining a fast and efficient process, but more importantly, keeping an absolute focus on the expectations
1280 Wall St. West, Suite 306, Lyndhurst, NJ, 07071
Lends in New Jersey
Our mission is to provide our clients with access to a variety of loans and financing options to help meet their business needs.
Our financial products offer start-ups or existing businesses access to financing that can be used for a wide-range of purposes, including working capital, expansion, purchase of inventory, supplies, machinery, equip
At Keypoint Mortgage, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
