USDA Loan Vs. FHA loan for Fairfield, NJ 2026

For 2026, the USDA loan limit is $0 in Fairfield, Essex County, NJ. Meanwhile, the FHA ceiling for a single-family house is $1,089,300.

The Lendersa® USDA loan calculator assists you in comparing the best rates between USDA and FHA as of today. It helps determine the required income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA options can be compared side by side, guiding you to choose the most suitable program for your financial situation, particularly in .

Choices for USDA and FHA Loans in Fairfield, NJ

Lendersa® aims to rapidly connect you with the ideal USDA or FHA loan, free from hassle. Choose one of three pathways to engage with lenders and access USDA loan options.

Lendersa USDA loan request and matching results

About USDA Loans in NJ

Backed by the Department of Agriculture, a USDA home loan, also known as a USDA rural development loan or USDA mortgage, is available in rural areas only. Unlike FHA loans requiring a 3.5% down payment, USDA mortgages require no down payment, making them an attractive option for rural homeowners.

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(770) 995-8078 Lender's profile and map Reviews Northstar Mortgage 2955 Horizon Park Drive, Suite A, Suwanee, GA, 30024 Northstar Mortgage is a locally owned and operated mortgage company located in Suwanee, GA. With more than two decades of experience serving the mortgage needs of our fellow Georgians, we have gained the knowledge of the industry that allows us to look out for the best interest of our clients and help them make wise and informed decisions.
(404) 433-8918 Lender's profile and map Reviews MyLendingPal, Inc 5400 Laurel Springs Parkway, Suite 304, Suwanee, GA, 30024 MyLendingPal was founded in 2018 by the founders and operators of Nations First Home Mortgage Inc, company located in Suwanee GA. MyLendingPal is owned and operated by Ricky Merchant, Ricky is Roger Merchant’s son founder of Nations First Home Mortgage Inc. MyLendingPal is currently licensed in State of Georgia
(770) 294-1165 Lender's profile and map Reviews MORTGAGE FUNDING GROUP, INC. 970 Peachtree Industrial Blvd, Suite 100, Suwanee, GA, 30024 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(770) 614-1157 Lender's profile and map Reviews DUNWOODY MORTGAGE SERVICES, INC. 4411 Suwanee Dam Rd, Suite 555, Suwanee, GA, 30024 Dunwoody Mortgage, our mortgage professionals are truly the best at working to find a way to get you a home loan -- and not just any loan, but the loan that works best for you. Whether you are looking to purchase or refinance, we are here to help!When other companies have told you "No" or more than likely told you nothing at all,
(770) 972-4955 Lender's profile and map Reviews THE PERPETUAL FINANCIAL GROUP, INC. 1325 Satellite Blvd NW, Building 1100, Suite 1120, Suwanee, GA, 30024 The Perpetual Financial Group, Inc. is a residential and commercial mortgage lender. We help consumers purchase & refinance residential property, and can also help businesses purchase owner occupied commercial property. We also work with investors for hard money/rehab loans. We are a licensed Mortgage Banker in Georgia & Tennessee.
(270) 685-1025 Lender's profile and map Reviews Modern Employees Federal Credit Union 1727 Moseley Street, Owensboro, KY, 42303 Modern Employee Federal Credit Union is a not-for-profit financial cooperative which was chartered in 1953. The Mission of MEFCU is to provide a variety of services, which benefits our members/owners, with the primary goal of helping them enhance their personal finances. In keeping with our mission statement
(270) 926-0210 Lender's profile and map Reviews Green River Area Federal Credit Union 3000 Highway 144, Owensboro, KY, 42303 Green River Area Federal Credit Union has been serving its members with top quality financial products and services since 1959. The Credit Union is a true representation of the ""people helping people"" philosophy unique to all credit unions. The Credit Union provides members with a safe place to save money and obtain credit
(270) 684-8954 Lender's profile and map Reviews Daviess County Teachers Federal Credit Union 1900 Southeastern Parkway, Owensboro, KY, 42303 The Daviess County Teachers Federal Credit Union is a not-for-profit financial cooperative which was chartered in 1971 and established to serve the employees of Daviess County Public Schools and their families. What began as a small organization has now grown into a full service financial institution.
(270) 570-2237 Lender's profile and map Reviews Elite Mortgage 3943 Hwy 54, Owensboro, KY, 42303 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(773) 377-9319 Lender's profile and map Reviews Key City Lending Inc. 2121 W. Army Trail Rd, Suite 108, Addison, IL, 60101 "Key City Lending, America's Lender, matches borrowers through technology and high-touch customer care with the credit they need. As a fast-growing national consumer lender, Key City Lending is at the fore-front of the mortgage industry. Key City Lending is passionate about emerging financial technology"
(800) 397-4559 Lender's profile and map Reviews HLP Mortgage 1235 South Highland Ave, Suite A, Lombard, IL, 60148 Founded in 2014, HLP Mortgage opened its doors to the Illinois community. We are a privately owned company and a full-service mortgage banker. Our focus is to better the community with the services we provide by offering low interest rates and an unequaled customer service experience.
(630) 347-6321 Lender's profile and map Reviews Great Mortgage - Kris Krajecki 1920 S Highland Ave, Suite 220, Lombard, IL, 60148 Great Mortgage has made the mortgage process easier is by integrating technology with our outstanding customer service.On our website you can submit a complete on-line, secure loan application or pre-qualify for an Arizona, Illinois, Indiana, Colorado, Florida, Missouri or Tennessee home loan. You may also evaluate your different financing options.