In 2026, the USDA loan cap in Irvington, Essex county, NJ, stands at $0, while the FHA limit for single-family residences is $1,089,300.
Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates, identifying the income, credit, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program for your financial circumstances within .
2026 loan caps and down payment prerequisites in Irvington, Essex county, NJ
Loan Type
Loan Cap
Down Payment
USDA
$0
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA lending pathways in Irvington, NJ
Lendersa® aspires to help you secure an optimal USDA or FHA loan swiftly and effortlessly. Choose from three initial paths to partner with lenders and explore USDA loan opportunities.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, known as the USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, USDA loans require no down payment at all.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide real estate financing to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
New Community Federal Credit Union was founded with the specific mission of serving low- to moderate-income and minority communities beyond the reach of banks and mainstream credit unions. NCFCU provides banking services to the New Community network. Employees, businesses & vendors, funders, program participants, & residents are encouraged to join.
The Messiah Baptist Church Federal Credit Union, MBCFCU, was founded in 1973. With our low-income designation we qualify for additional funding and programs to extend services to those undeserved among traditional banking institutions. We believe all should have access to capital and the resources to build a secure financial future.
Omega Financial Services, Inc. is a full service, Non-Supervised, Multi-State Direct Residential and Commercial Lender and Wholesaler. With over 25 years of experience, Omega’s goal has been to assist clients in owning a home, acquiring a business, or an investment property by offering a wide array of loan programs and giving attention to detail.
At Platinum Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
The Elizabeth, NJ Firemen’s FCU strives to promote thrift for our members, provide affordable financial services and assist members, who show a desire to improve their financial foundation, and to get through difficulties which may be keeping them from realizing their potential. The Elizabeth, NJ Firemen’s FCU was Chartered in 1936.
American Capital Mortgage Inc. is a Mortgage Broker company for all your Home Mortgage. We achieve excellence and consistently exceed our clients expectations. we can ensure you get the best loan to fit your goals and finances. American Capital Mortgage know the market. We know the process.
Public Service Plaza Federal Credit Union has been open since 1953. The credit union has assets totaling $18.7 Million and provides banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves communications.
The I.L.A LOCAL 1235 Federal Credit Union was created for the members of the International Longshoreman Association. Our membership is based on longshoreman, warehouseman, checkers & the immediate family of members.We have been here for our members since 1982. The credit union is preparing to expand their current services for our wonderful members.
