In 2026, for Garfield in the county of Bergen, NJ, the USDA loan limit is $0, while the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare the best current rates between USDA and FHA loans. Use it to determine the necessary income, credit, reserves, and paperwork required for eligibility. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The goal at Lendersa® is to deliver to you the best USDA or FHA loan options quickly and without complication. Begin with one of the three initial choices that link you to matching lenders and available USDA loan programs.
A USDA home loan is a government-backed option from the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is strictly for rural areas and, unlike FHA loans which require a minimum 3.5% down payment, does not require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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