FHA Vs. USDA loan program for Irvington, Essex County, New Jersey

In 2025, USDA loan limit in Irvington, county of Essex, NJ is $0 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Get top 10
USDA LENDERS
customized to yout needes

USDA and FHA loan options in Irvington, NJ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Jersey?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(716) 896-8084 Lender's profile and map Reviews CrossRoads Community Federal Credit Union 3031 William Street, Buffalo, NY, 14227 CrossRoads Community Federal Credit Union is a not-for-profit financial cooperative whose purpose is to meet the financial needs of its members. We are member-owned. In other words, we answer to our members – not a small group of stockholders or an out-of-town corporation. Our profits are returned to our members in the form of low/no-fee products,
(716) 684-1741 Lender's profile and map Reviews Cheektowaga Community Federal Credit Union 3234 Union Road, Cheektowaga, NY, 14227 Cheektowaga Community Federal Credit Union has been open since 1959. The credit union has assets totaling $11.74 Million and provides banking services to more than 1, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
(716) 826-6427 Lender's profile and map Reviews Greater Woodlawn Federal Credit Union 3811 Lake Shore Road, Suite S, Blasdell, NY, 14219 The Greater Woodlawn Federal Credit Union is truly unique. We are a not-for-profit, member-owned, and operated financial institution whose main purpose is to satisfy the financial needs of our members. Unlike banks that are profit-driven, our not-for-profit status allows us to return excess earnings to our members in the form of lower interest rate
(804) 756-5000 Lender's profile and map Reviews Connects Federal Credit Union 7700 Shrader Road, Richmond, VA, 23228 Connects Federal Credit Union is an independent, not-for-profit financial cooperative. Connects FCU is owned by its members, who are shareholders. Member share deposits provide the funds for loans to members and the income from loan interest is used to meet expenses and pay dividends on member accounts.
(804) 836-9580 Lender's profile and map Reviews Direct Mortgage Brokers, LLC. 2103 East Parham Road, Suite 210, Henrico, VA, 23228 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(716) 483-1650 Lender's profile and map Reviews Jamestown Area Community FCU 915 East Second Street, Jamestown, NY, 14701 To provide a wide variety of financial services at the lowest possible cost to our members and to support the community and the Credit Unions in our area with the philosophy of: ""It's my credit union; it belongs to me."" When you walk into the credit union lobby, or call a loan officer
(716) 483-2798 Lender's profile and map Reviews Affinity One Federal Credit Union 545 East Second Street, Jamestown, NY, 14701 Affinity One Federal Credit Union has been open since 1948. The credit union has assets totaling $45.55 Million and provides banking services to more than 4, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
(877) 776-9722 Lender's profile and map Reviews Summit Center 300 North Main Street, Moorefield, WV, 26836 Summit Financial Group, Inc. is a $3.27 billion financial holding company headquartered in Moorefield, West Virginia. Summit provides community banking services primarily in the Eastern Panhandle, Southern & North Central regions of West Virginia, the Northern, Shenandoah Valley & Southwestern regions of Virginia and the Central region of Kentucky.
(518) 324-5700 Lender's profile and map Reviews UFirst Federal Credit Union 274 Rugar Street, Plattsburgh, NY, 12901 In 1971, SUNY Plattsburgh Federal Credit Union officially opened for business. Back in 1971, the SUNY Business & Economic Department, the United University Professions and Civil Service Employees, had a vision of providing a place where faculty and staff of SUNY Plattsburgh could save and get loans at fair rates.
(518) 561-4510 Lender's profile and map Reviews Plattsburgh City School District Federal Credit Union 49 Broad Street, Suite 101, Plattsburgh, NY, 12901 The Plattsburgh City School District Federal Credit Union was chartered under federal law. Federally chartered credit unions are regulated by the National Credit Union Administration (NCUA), an independent agency of the U.S. Government. As such, all share funds are federally insured up to $250, 000.
(518) 825-0323 Lender's profile and map Reviews Dannemora Federal Credit Union 344 Tom Miller Road, Plattsburgh, NY, 12901 For over 60 years Dannemora Federal Credit Union has been serving our community. DFCU was organized in 1958 by a group of employees of the Dannemora State Hospital interested in creating a place where they and fellow employees could save and borrow money safely, confidentially, and at fair rate of return.