USDA Vs. FHA Pro and Con comparison in Fairfield, Essex County, NJ

In 2025, USDA loan limit in Fairfield, county of Essex, 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 Fairfield, county of Essex, 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 Fairfield, 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?



  • National JACL Credit Union
  • 3776 S. Highland Dr., Salt Lake City, UT, 84106
  • The Credit Union’s mission is to improve the financial lives of all members while promoting an environment that, like the J.A.C.L.’s vision, “respects the values of fairness, equality and social justice. “ The J.A.C.L. was founded in 1929 and is the oldest and largest Asian American civil rights organization in the United States.
  • Wasatch Direct Lending, LLC
  • 1240 East 2100 South, Suite 101, Salt Lake City, UT, 84106
  • Founded in 2019, Wasatch Direct Lending has been supporting our clients with the lowest possible rates and highest possible service. We are fully committed to providing complete honesty, integrity, and expertise while navigating the mortgage process.We want to get to know you so that one of our experienced loan officers can offer you.
  • Consumers Financial Company
  • 2834 S Highland Dr, Salt Lake City, UT, 84106
  • Matt Stout started Consumers Financial Mortgage in 1995 with the vision of helping homeowners save money. Since that time, he has worked to perfect the art of understanding mortgage customers and their financial goals. Using what he calls his “Mortgage Map”, Matt creates options based on his client’s financial goals to better guide.
  • Salt City Home Loans, LLC
  • 1062 East 2100 South, Suite 217, Salt Lake City, UT, 84106
  • "Hi I'm Jason Deamer, founder of Salt City Home Loans located in the heart of Salt Lake City. I started in the home loan industry over 19 years ago in 2001, and I’ve worked with and learned from some of the best in our industry. Mortgages are so much more than just a means to purchase a home."
  • American Wholesale Loans
  • 623 E 2100 S, Salt Lake City, UT, 84106
  • American Wholesale Loans is your connection to the Wholesale Lending market which has the best terms for Residential and Commercial loans. By skipping the middle man and going directly to the funding source you will save time in getting your financing secured and money over the life of your loan
  • American West Financial Home Loans
  • 675 E 2100 S, Suite 110, Salt Lake City, UT, 84106
  • "America West Financial is about helping potential home owners navigate through the complex process of home loans. Through dedicated Loan Officers & supporting staff, America West Financial provides an enjoyable, efficient experience. America West Financial was founded by Lee M Yates in 2003. After being in the Mortgage Broker business."
  • Forewest Financial LLC
  • 2966 Oak Valley Circle, Sandy, UT, 84093
  • Forewest Financial LLC or ForewestMortgage.com is a licensed mortgage broker. We shop and use wholesale lenders nationwide to obtain the best possible mortgage loan financing available to any given borrower profile. We do conventional, FHA and VA loans as well as non-conventional lending.
  • Celtic Bank
  • 268 South State Street, Suite 300, Salt Lake City, UT, 84111
  • Celtic Bank is a Bank with operations in fifty states. Celtic Bank offers numerous mortgage programs including jumbo, non-owner occupied, FHA and construction mortgages. Celtic Bank specializes in construction loans.Headquartered in Salt Lake City, Utah, Celtic Bank was named the 6th largest SBA lender in the nation for FY 2015.
  • Bonneville Multifamily Capital
  • 111 S. Main St, Suite 1600, Salt Lake City, UT, 84111
  • Bonneville Multifamily Capital has been a division of Bonneville Real Estate Capital (BREC), a full-service mortgage banking firm, since 2003. Since 1975 BREC has originated in excess of $6 billion in interim and long-term loans and sales on real property across the United States.
  • CPA Mortgage Services, LLC
  • 299 South Main Street, Suite 1300, Salt Lake City, UT, 84111
  • CPA Mortgage Services is a Mortgage brokerage firm created by a life long tax accountant. With over 26 years in the lending industry, along with a unique skill set in accounting, we are able to find the most suitable mortgage products for each client as they go through the mortgage process.
  • Stratify Lending LLC
  • 220 South 200 East, Suite 200, Salt Lake City, UT, 84111
  • Stratify Lending, our goal is to make the process seamless and enjoyable. Our mortgage professionals are experts on the wide array of mortgage products available to consumers. Our careful assessment process will help match you with the right product to meet your long-term financial goals
  • RushFire Private Lending
  • 257 E 200 S, Suite 525, Salt Lake City, UT, 84111
  • RushFire Private Lending is a privately owned non-traditional real estate finance company powered by technology. We provide asset-based financing for real estate entrepreneurs wholesaling, developing, and rehabilitating real estate within the state of Utah. We focus on wholesale short-term, single-family residential rehab