USDA VS FHA in Fairview, Bergen County, NJ

As of 2025, within Fairview in the county of Bergen, NJ, the USDA loan cap is $0, whereas the FHA cap for single-family houses is set at $1,089,300.

Take advantage of the Lendersa® USDA loan calculator to assess the latest USDA and FHA rate differences, helping you understand the necessary income, credit score, reserves, and documentation to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side-by-side, supporting your choice of the best financial program for your situation in .

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Loan Caps and Down Payment Information for 2025 in Fairview, Bergen, NJ

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

Options for USDA and FHA Loans in Fairview, NJ

Lendersa® is committed to securing the optimal USDA or FHA loan quickly and easily for you. Choose among three initial options that pair you with lender matches and USDA loan offers.

  1. Submit an advanced request for USDA/FHA loan optimization
  2. Check USDA and FHA rates & terms in advance<
  3. Look through the country’s biggest USDA loan lenders database
Lendersa USDA loan request matching results

How Does the USDA Loan Work in NJ?

The USDA home loan, also known as a rural development loan or USDA mortgage, is supported by the Department of Agriculture and caters exclusively to rural areas. Contrary to FHA loans that demand a 3.5% minimum down payment, USDA mortgages allow you to purchase a home without any down payment.

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