USDA VS FHA in Fort-Lee, Bergen County, NJ

In the year 2025, the USDA loan limit in Fort-Lee, situated in Bergen county, NJ, is $0. Meanwhile, the FHA limit is $822,375 for a single-family home.

Make use of the Lendersa® USDA loan calculator to compare the most competitive available rates for USDA versus FHA loans today. Determine your qualification by evaluating the required income, credit, reserves, and documents. Our sophisticated mortgage calculator enables comparison of USDA, FHA, Conforming, and VA loans side by side, assisting you in identifying which program in best suits your financial condition.

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2025 Loan Limits and Downpayment Requirements in Fort-Lee, Bergen County, NJ

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Exploring USDA and FHA Loan Options in Fort-Lee, NJ

Lendersa® is committed to securing you the most suitable USDA or FHA loan promptly and without hassle. Opt for one of three initial methods to be connected with matching lenders and USDA loan opportunities.

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Understanding the USDA Loan in NJ

The USDA home loan, guaranteed by the U.S. government through the Department of Agriculture, is known as the USDA rural development loan or USDA mortgage. It is accessible exclusively in rural areas. Contrary to FHA loans that require a minimum down payment of 3.5%, the USDA mortgage does not mandate any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Constant Energy Capital
  • 202 US Route 1, Suite 102, Falmouth, ME, 04105
  • Constant is transforming the business of getting America’s $14.6 trillion household debt repaid by automating manual loan management tasks and empowering borrowers to self-serve. We modernize loan servicing with interactive, digital solutions so borrowers can better understand, manage and pay back their debts.
  • Maine Pointe Lending
  • 202 US Route 1, Suite 102, Falmouth, ME, 04105
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Carriage House Mortgage Company
  • 170 US Route 1, Suite 160, Falmouth, ME, 04105
  • Carriage House Mortgage seeks to create excellence within the real estate community. It is our goal to provide sensible, prudent and expert lending services to each one of our clients. We will ensure that we provide only the most appropriate lending products. Our goal is to provide our customers with fair mortgage rates at reasonable prices.
  • Cadets Federal Credit Union
  • 1751 Transit Road, Elma, NY, 14059
  • Cadets Federal Credit Union has been open since 1950. The credit union has assets totaling $15.29 Million and provides banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • Somerset Trust Company
  • 151 West Main Street, Somerset, PA, 15501
  • Our mission as an independent community bank has remained unchanged for over 130 years. We are committed to providing excellent service and competitive products as well as maintaining a high profile in the growth and economic development of the markets we serve. We're a team of banking professionals, that happen to be your neighbors and friends.
  • PEOPLES TRUST COMPANY OF ST ALBANS
  • 25 Kingman Street, Saint Albans, VT, 05478
  • Peoples Trust Company was founded by an Act of the General Assembly of the State of Vermont on November 12, 1886. Since our inception, we have enjoyed a commitment to the Vermont tradition of service, quality and value. We believe that banking is about building relationships, making people’s lives easier, and helping folks realize their goals.
  • Akron Employees Federal Credit Union
  • 4977 North Ayers Road, Akron, NY, 14001
  • Akron Employees Federal Credit Union Our mission is to provide personal financial services of a superior quality to the members; our chief concern being their financial well-being. We will use automation and technology to support a highly trained group of volunteers and staff.Professional managers will be accountable for the quality of service
  • Local 41 IBEW FCU
  • 3564 California Road, Orchard Park, NY, 14127
  • Local 41 IBEW FCU was federally chartered by the National Credit Union Administration in 1976 as a benefit for the members of Local #41 IBEW Union and their immediate family members. If you are a member or employee of Local 41 IBEW - you, your spouse, children and immediate family members are eligible to join the Credit Union
  • Great Erie Federal Credit Union
  • 4000 N Buffalo Road, Orchard Park, NY, 14127
  • Great Erie FCU is a not-for-profit, cooperative financial institution; our goal is to help our members succeed and increase their financial strength The year was 1952. The place was at the Orchard Park High School. Several employees were gathered, earnestly discussing ways to help school employees
  • HB&O Funding Company
  • 3907 North Buffalo Rd, Orchard Park, NY, 14127
  • HB&O Funding Company is committed to educate, assist and deliver all available real estate financing options to meet our client's short & long term goals and/or personal dreams. We will operate our company with an atmosphere of respect, professionalism, personal growth and diversity. Employees and clients will be considered life long-relationships.
  • R & R FUNDING, INC.
  • 10 Sussex Ln, Lancaster, NY, 14086
  • The resourceful and skilled team at R & R Funding, Inc. is eager to help you reach your dreams. If you need an experienced Lancaster, NY Mortgage team focused on precision, give us a call. Ron Fronckowiak's service is unparalled and I am typically available 24/7/365. My dedication to being a top mortgage professional began in 2002.