USDA Vs. FHA your options comparison 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?



  • BUFFALO POLICE FEDERAL CREDIT UNION
  • 68 Court Street, Suite 180, Buffalo, NY, 14202
  • The Buffalo Police Federal Credit Union was founded on March 26, 1936. We are proud to serve the dedicated employees of the Buffalo Police and Fire Department. Our earnings are passed on to the membership in the form of better rates, costs, and services. and also The Buffalo Police Federal Credit Union strives to provide quality financial services
  • Williamsville Federal Credit Union
  • 656 North French Road, Suite 7, Amherst, NY, 14228
  • Williamsville Federal Credit Union to serve our member’s by providing convenience, exceptional service with advanced products. Williamsville Central School District Employees have an opportunity to become a member of the Williamsville FCU It is a not-for-profit financial institution owned and controlled by the members and is operated for your benef
  • Sweet Home FCU
  • 1960 Sweet Home Road, Amherst, NY, 14228
  • Since its inception in 1957 the Sweet Home Federal Credit Union has been serving its members in the AMHERST, New York area with exceptional financial products and also Sweet Home Credit Union is a financial institution offering favorable rates on savings & loans, serving the Town of Amherst and the Town of Tonawanda, NY.
  • Boulevard Federal Credit Union
  • 2787 Niagara Falls Boulevard, Amherst, NY, 14228
  • We are a full service not for profit financial institution. Your success is our success with people helping people A credit union is a not-for-profit financial cooperative, owned by its members. Yes, Boulevard Federal Credit Union offers loans, checking and savings accounts, and other financial services that banks offer. But we're quite different f
  • Queen City Funding, Inc.
  • 1416 Sweet Home Road, Suite 9B, Great Neck, NY, 14228
  • Queen City Funding, Inc., a professional mortgage company specializing in residential mortgages. At Queen City Funding, Inc., we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled and trained loan consultants.
  • NexTier Bank, National Association
  • 105 Burton Drive, Kittanning, PA, 16201
  • NexTier Bank is more than just a bank – we’re a total community bank. We have always been dedicated to building long-term relationships and providing high-quality financial services to our Customers, creating meaningful opportunities for our Employees, and giving back to our Communities.
  • Armstrong County Building and Loan Association
  • 935 Fifth Avenue, Ford City, PA, 16226
  • ACBLA has been serving Armstrong County and the surrounding counties with quality service and a friendly smile since 1925. As a community savings and loan ACBLA takes pride in supporting and giving back to its local community of Armstrong County. By being a small hometown savings and loan,
  • Armstrong Associates Federal Credit Union
  • 414 Ford Street, Ford City, PA, 16226
  • Armstrong Associates Federal Credit Union has been open since 1958 and also Armstrong Associates Federal Credit Union believes in the philosophy of “not for profit, not for charity – but for service.” Our mission is to protect members’ assets while providing a high degree of products and services and a fair rate on loans and shares.
  • SJP Federal Credit Union
  • 341 Englewood Avenue, Buffalo, NY, 14223
  • SJP Federal Credit Union was established in 1939 and is now one of the fastest growing, industry leading credit unions in Western New York. At SJP Federal Credit Union, people truly are worth more than money and SJP Federal Credit Union Specialties in Auto Loans, Boat & RV Loans, Member Business Loans, and CDs, IRAs, & Money Market Accounts
  • Morton Lane Federal Credit Union
  • 388 Englewood Avenue, Buffalo, NY, 14223
  • Morton Lane Federal Credit Union is committed to serving its members' financial needs by providing the ultimate in banking convenience, excellent member service, convenient branch locations, competitive savings and loan programs and much more. We offer convenient 24 hour access to your accounts
  • Kenmore Teachers FCU
  • 2265 Sheridan Drive, Buffalo, NY, 14223
  • The Kenmore Teachers Federal Credit Union is celebrating our 83rd anniversary. What an honor to serve our members for so many years! During these years, we have progressed from a simple savings and loan credit union to one that provides a full spectrum of financial services the Credit Union was organized in 1935
  • Southern Chautauqua Federal Credit Union
  • 168 East Fairmount Avenue, Lakewood, NY, 14750
  • Mission Statement: Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect. Vision Statement: Southern Chautauqua Federal Credit Union’s vision is to be a resource to the community by offering its members the best financial service and value….period.