USDA VS FHA in Hillside, Union County, NJ

In 2025, the USDA loan ceiling in Hillside, Union county, NJ, is $0, whereas the FHA limit for a single-family home is $1,089,300.

Take advantage of the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates, determining the required income, credit, reserves, and documentation for approval. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA programs to help you choose the right fit for your financial needs, especially in .

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2025 Loan Limits & Down Payment Requirements in Hillside, Union county, NJ

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

Exploring USDA and FHA Loan Options in Hillside, NJ

Lendersa® strives to offer the swiftest, most efficient USDA or FHA loans available. Choose from three starting points to connect with lenders and explore suitable USDA loan programs.

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Understanding USDA Loans in NJ

A USDA home loan, supported by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans do not require any down payment.

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



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