USDA and FHA Pro and Con in Hackensack, Bergen County, NJ

In 2025, the USDA loan cap for Hackensack, located in Bergen, NJ, is $0. For a single-family home, the FHA limit is $1,089,300.

The Lendersa® USDA loan calculator lets you compare the best available rates for USDA vs. FHA, helping you determine income, credit, reserves, and documents needed for qualification. By using our advanced calculator, you can review USDA, FHA, Conforming, and VA options side by side to find the best fit for your financial situation in .

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2025 Loan Limits and Downpayment Details in Hackensack, Bergen, NJ

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

Exploring USDA and FHA Loan Options in Hackensack, NJ

The goal at Lendersa® is to secure the best USDA or FHA loan quickly and easily. Start with one of three approaches to connect with lenders and USDA loan programs.

Lendersa USDA loan request matching results

What Defines a USDA Loan in NJ?

A USDA home loan is a government-backed loan provided by the Department of Agriculture, also known as a USDA rural development loan or mortgage, and is solely available in rural areas. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans need no down payment.

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



  • Texas Bridge Credit Union
  • 3131 Holly Road, Corpus Christi, TX, 78415
  • Texas Bridge Credit Union is a voluntary cooperative, not-for-profit savings institution, incorporated under the Texas Credit Union Act in 1951 for the purpose of encouraging thrift among its members, creating a source of credit at a fair and reasonable rate of interest, and providing an opportunity for its members to use.
  • Century Finance Co
  • 4314 Ayers St, Corpus Christi, TX, 78415
  • Century Finance makes loans up to $1340 with up to 12 months to pay back. If you have good credit, or slow credit Century Finance in most cases will be able to qualify you for a personal loan. Our personal loans are granted as unsecured loans. Unsecured loans and signature loans are provided on good faith or other wise called good faith loans.
  • Community Choice CU Mobile
  • 6921 East 72nd Avenue, Commerce City, CO, 80022
  • Community Choice Credit Union is a member owned not for profit, full service financial co-op serving the needs of the Commerce City Community. Community Choice had its small beginning on October 9, 1952. It was established as SD14 Federal Credit Union and was located in the basement of one of our member's home.
  • Peak Mortgage Consultants LLC
  • 17282 East 98th Way, Commerce City, CO, 80022
  • Peak Mortgage Consultants is a place where all types of clients can find the right loan program for their certain needs. Our goal is always to save you the most amount of time and money on one of your biggest investments.Call us even if you are currently in the loan process. With our quick turn around times and top of the line service.
  • FootPrint Mortgage LLC
  • 600 17th Street, Suite 2800 South, Denver, CO, 80022
  • footprint Our clients are people that want to stop paying for things that don’t add them any value like premium office space, large support and compliance staff, corporate salaries, and so on We decided to take a stand, delivering a value focused experience that isn’t set upon fast transactions. Footprint Mortgage is a client-centric firm.
  • Assured Residential Mortgage Group LLC
  • 55 South 4th Avenue, Brighton, CO, 80601
  • I have been a mortgage& loan specialist for over 20 years. I have the knowledge & experience to help you through your home loan process, whether you are refinancing or purchasing, I will find the right terms to fit your budget. Asper Assured Residential Mortgage Group If you purchased your home in the last few years, now is the time to refinance!
  • Trans Texas Southwest Credit Union
  • 3401 Loop 306, San Angelo, TX, 76904
  • The mission of Trans Texas Southwest Credit Union is to provide quality financial services to our members through the offering of deposit accounts to meet investment needs and to insure the availability of a competitive lending program handled in a cooperative spirit. Trans Texas Southwest Credit Union Chartered in 1954.
  • Concho Educators Federal Credit Union
  • 3215 W Loop 306, San Angelo, TX, 76904
  • Concho Educators Federal Credit Union was chartered in 1941 to fulfill the financial needs of Educators within Tom Green County. The initial field of membership for the credit union was limited to teachers and administrators employed by the San Angelo Independent School District.
  • 1st Community Federal Credit Union
  • 3505 Wildewood Drive, San Angelo, TX, 76904
  • 1st Community Federal Credit Union is a federally chartered, federally insured full-service financial institution with over 21, 000 members worldwide and over $220 million in assets. We have 3 offices in San Angelo, Texas and 1 office each in Ballinger, Eldorado, Fort Stockton, Midland and Crane, Texas.
  • Samco Finance
  • 2201 West Avenue N, San Angelo, TX, 76904
  • SAMCO Finance was founded in 1979. We are a Texas-only loan company that is locally owned. SAMCO Finance has grown throughout the years, expanding to offices in San Angelo, Abilene, TX. and the surrounding areas. Our mission statement is “Lending to Make a Difference.” This statement is backed by our commitment to help people
  • RJ Funding Services
  • 3371 Knickerbocker road, San Angelo, TX, 76904
  • RJ Funding Services (also known as Rafter J Funding) is a reputable alternative lending firm that works with clients throughout the United States and Canada. Specializing in providing capital to small businesses and large corporate entities, our firm delivers innovative solutions to funding business enterprises in all industries.
  • Colorado Mortgage Coach
  • 10952 S Pikes Peak Dr, Parker, CO, 80138
  • Colorado native and a veteran of 25 years in the mortgage business this professional can assist you in your search for a new mortgage. Rob has been involved in every aspect of the mortgage profession from data entry to selling loans on the secondary market. Rob has learned all stages of the mortgage process by originating, processing,