USDA Vs. FHA your options comparison in Jersey-City, Hudson County, NJ

In 2025, the USDA loan limit in Jersey-City, within Hudson county, NJ, is $0, while the FHA limit for a single-family home stands at $822,375.

Use the Lendersa® USDA loan calculator to evaluate the current optimal USDA vs. FHA rates and determine the necessary income, credit score, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your particular financial situation in .

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2025 Loan Limits and Downpayment Requirements in Jersey-City, Hudson County, NJ

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Jersey-City, NJ

Lendersa® is dedicated to finding you the best USDA or FHA loan swiftly and with ease. Choose one of three starting paths that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

The USDA home loan, sanctioned by the Department of Agriculture and known as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans require no down payment, enhancing access to homeownership in rural communities.

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



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