USDA Vs. FHA Pro and Con comparison in Haledon, Passaic County, NJ

In 2026, the USDA loan limit for Haledon in Passaic county, NJ is $776,600. In contrast, for a single-family home, the FHA limit is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates of today. Assess the needed income, credit, reserves, and documentation for qualification. Through our advanced mortgage calculator, view USDA, FHA, Conforming, and VA side by side, helping you determine the optimal program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Haledon, Passaic, NJ

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Explore USDA and FHA Loan Options in Haledon, NJ

The aim of Lendersa® is to swiftly connect you with the best possible USDA or FHA loan, effortlessly. Choose one of three pathways that facilitate matching with lenders and available USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, insured by the government Department of Agriculture, also known as a USDA rural development loan or mortgage, is accessible only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.

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



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