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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| 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 secure the best USDA or FHA loan quickly and easily. Start with one of three approaches to connect with lenders and USDA loan programs.
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?
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