USDA and FHA Pro and Con in Ho-Ho-Kus, Bergen County, NJ

In 2025, the USDA loan limit for Ho-Ho-Kus in Bergen county, NJ is established at $0. Meanwhile, the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to juxtapose today's best USDA vs. FHA rates, understanding the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA offerings side by side to help pinpoint which program is optimal for your distinct financial situation in .

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Loan Limits and Down Payment Requirements for 2025 in Ho-Ho-Kus, 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 Ho-Ho-Kus, NJ

The mission of Lendersa® is to promptly secure the most suitable USDA or FHA loans for you, minimizing any hassle. Choose from three entry points that seamlessly connect you with matching lenders and USDA loan programs.

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Understanding the USDA Loan in NJ

The USDA home loan, endorsed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is intended exclusively for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all, providing a unique financing opportunity.

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



  • Investor Direct Capital, Inc
  • 12707 High Bluff Dr #200, SAN DIEGO, CA, 92130
  • Investor Direct Capital, Inc. provides commercial, business purpose loans to investors of single and multi-family investment properties. Loans made my Investor Direct Capital, Inc. are for investment purposes only and not for owner-occupied properties. Loan product availability may be limited in certain states.
  • Trilion Capital
  • 12636 High Bluff Drive, Suite 400, SAN DIEGO, CA, 92130
  • Trilion Capital is one of California's leading private hard money lenders focused on providing short-term financing to a growing niche of residential fix & flip builders. The company provides loans to investors who purchase distressed residential property, add value through repairs and renovation, and then sell the rehabilitated homes for profit.
  • Adonai King LLC
  • 6828 Quebec Ct Unit 4, San Diego, CA, 92139
  • No Doc' financing to acquire that lucrative piece of investment real estate property? Adonai King LLC, specialize in multifamily, apartment building, strip mall, office building, warehouse and most categories of fixed income producing residential and commercial properties. Our nationwide asset-based funding platform requires NO tax returns, NO f
  • Express Funding Mortgage Co.
  • 1237 Camino, Suite I, Del Mar, CA, 92014
  • Express Funding Mortgage Company was founded in 1998 by Brad Shoemaker with the goal of becoming the San Diego mortgage broker of choice for local San Diegans. Express Funding Mortgage specializes in residential mortgage financing to homeowners and buyers anywhere in California. We offer some of the lowest conforming.
  • Avant Capital Solutions
  • 1011 Camino, Suite 214, Del Mar, CA, 92014
  • 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 loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available and their loan programs are one size fits all.
  • Cascade Home Loans
  • 16508 Southeast 24th Street, Suite 102, Vancouver, WA, 98683
  • Cascade Home Loans Helping others to buy, sell and finance real estate is what drives us and dealing with the challenges along the way. Today there is no shortage of challenges and we believe the constant changes are what keep us excited about this industry. Sure, it would nice if everything was easier but hard things tend to be the better.
  • ADAIR FINANCIAL SERVICE LLC
  • 1311 SE Cardinal Ct, Suite 100, Vancouver, WA, 98683
  • Adair financial service is the best home loan program for your future is more than a job description, it’s our commitment. We pride ourselves in exceptional service and innovative products—and strive to ensure that all of our customers are treated with respect, courtesy and professionalism.
  • Vantex Capital Group
  • 2011 Palomar Airport Rd, Suite 203, Carlsbad, CA, 92011
  • At Vantex Capital Group, hard money mortgage lending is our primary business. We have been a hard money lender since 2003 and our President has been originating hard money mortgage loans for over forty years. We pride ourselves on being able to give you an answer on your hard money loan request the same day.
  • PacificFirst Mortgage
  • 6120 Paseo Del Norte, Suite A-2, Carlsbad, CA, 92011
  • PacificFirst Mortgage believes in the value of relationships and it's this idea that ensures that we provide each of our clients with the Very Best customer service found anywhere in the mortgage industry. Our dedicated team of financial professionals are trained and committed to have immediate communication with you concerning your mortgage needs.
  • Newdeck Capital Lending
  • 6882 Watercourse Drive, Carlsbad, CA, 92011
  • NewDeck Capital specializes in real estate listing & sales, mortgage financing, and everything in between. We strive to provide our clients with the highest quality of service and have built our business on a platform of long term relationships. We’ve been able to apply our combined 60+ years experience in assisting our clients.