USDA and FHA Pro and Con in Clifton, Passaic County, NJ
For the year 2025, 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 .
2025 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.
The Ritter Mortgage Group was founded by Jon Ritter with the goal of helping homebuyers and their realtors with financing their home purchase, while setting our loan originators apart by a level of service that is not often found in our industry.We specialize in finding the right loan to meet your needs .
We opened our full-time offices in Maryland in 1999. We are a small operation committed to providing the best possible lending experience available. All of our mortgage consultants are seasoned professionals with an average of more than 15 years experience. We consider ourselves consultants, not loan officers because we work with you to determine.
MidAtlantic Farm Credit is an agricultural lending cooperative owned by its member‐borrowers. It provides farm loans for land, equipment, livestock and production; crop insurance; and rural home mortgages. The co-op has over 10, 600 members and almost $2.4 billion in loans outstanding. MidAtlantic has branches serving DE, MD, PA VA and WA.
CCU was founded in 1936 with the goal of helping Corning Glass Works employees with their financial needs. We started with 42 members and $420 in assets. Over the years, we've opened offices in North Carolina and Pennsylvania, in addition to the 10 offices in the Corning/Elmira, New York area.
Our credit union was founded and chartered for business in 1954 by a group of 10 employees at the Ingersoll-Rand Company. Spearheaded by Harold Davis, the Ingersoll-Rand Union President, this group signed the original paperwork to have our credit union recognized by the National Credit Union Administration (NCUA).
Allstate Capital Group specializes in providing customized loans to investors, builders and developers in need of funding outside the scope of traditional banks. We also offer direct FHA HUD Lending programs starting at 2.55%, No Points, 35 Year Fixed. We are known for speed, service and integrity.
SECU embraces the credit union difference by giving back to the communities we serve through community outreach initiatives including scholarship programs and financial education workshops for high school and college students. With financial centers throughout Maryland, thousands of free ATMs, and mobile and online banking.
716 Maiden Choice Lane, Suite 101, Baltimore, MD, 21228
Five Star of Maryland Federal Credit Union is a member-owned credit union whose purpose is to provide premier personal banking service. The credit union was established in 1969 as Saint Agnes Employees Federal Credit Union by Saint Agnes Hospital employees and currently serves approximately 7, 000 members.
Petrous Capital, LLC is a commercial 'hard money' lender providing purchase and rehabilitation financing to non-owner occupant
residential real estate investors. These loans are generally of a term not greater than six months and can fund property acquisition, closing
costs and specific renovations to a maximum loan-to-value ratio of 70%.
