FHA Vs. USDA loan program for Jersey-City, Hudson County, New Jersey

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 .

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.

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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.

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(410) 827-8881 Lender's profile and map Reviews The Queenstown Bank of Maryland 7101 Main Street, Queenstown, MD, 21658 Queenstown Bank has been committed to reaching out within our local communities to do all we can to further the area's overall economic development. As a community partner, we make charitable contributions for education, culture and the arts, social service agencies, charitable activities, community and economic development,
(978) 632-2542 Lender's profile and map Reviews GFA Federal Credit Union 229 Parker St, Gardner, MA, 01440 GFA Federal Credit Union is a full service, Member-owned, community financial institution serving Central Massachusetts & Southern New Hampshire, with branch locations in Ashburnham, Gardner, Hubbardston, Keene, Leominster, Peterborough, Rindge, Rutland & Winchendon. Offering Personal, Business, Investment & Insurance solutions to help buy a home.
(518) 773-6548 Lender's profile and map Reviews UPSTATE TELCO Federal Credit Union 137 Harrison Street, Gloversville, NY, 12078 The Upstate Telco FCU, Charter #10746, was organized on March 20, 1956. There were 17 chartering members and the first Board of Directors, Credit, and Supervisory Committee members were elected at its first special meeting. The Credit Union is a non-profit financial institution that is owned and operated entirely by its members.
(518) 725-3191 Lender's profile and map Reviews First Choice Financial Federal Credit Union 355 Hales Mills Road, Gloversville, NY, 12078 First Choice Financial Federal Credit Union boasts over $152 Million in assets and is located in three great locations in Gloversville, NY and Broadalbin, NY. FCFFCU provides a wide range of quality financial services while preserving a competitive and stable financial institution. FCFFCU is a not-for-profit cooperative owned
(410) 833-6600 Lender's profile and map Reviews Farmers and Merchants Bank 15226 Hanover Pike, Upperco, MD, 21155 Farmers and Merchants Bank is a community bank that was established in 1919 and is headquartered in Upperco, Maryland. Farmers and Merchants Bank currently operates eight banking offices located in Northern Baltimore County and Carroll County, Maryland. Member FDIC. Equal Housing Lender
(607) 844-8141 Lender's profile and map Reviews The First National Bank of Dryden 7 West Main Street, Dryden, NY, 13053 The First National Bank of Dryden has been involved in our local community for over a century. We keep the business local and we keep the customer service local. The person answering our phone will never be automated.Over time, we've expanded into the Cortland area and most recently the historic district of Homer
(774) 888-6100 Lender's profile and map Reviews Bank 5 79 North Main Street, Fall River, MA, 02720 BankFive, based in Fall River, Massachusetts, is the SouthCoast's premier independent community bank, and one of the top regional banks in the area. With 13 convenient banking locations in Swansea, Somerset, Fall River, Dartmouth, New Bedford, Fairhaven, and Bristol, RI, plus lending offices in Woburn, Wrentham, and Cranston, RI.
(508) 533-8661 Lender's profile and map Reviews Charles River Bank 70 Main Street, Medway, MA, 02053 Founded in 1915, Charles River Bank began providing opportunities for people in our community to enjoy homeownership, achieve financial goals, & look to the Bank as a constant resource for improving the lives of their family, their business, & the community that we share. Charles River Bank is a successful, independent co-operative chartered bank.
(508) 877-6666 Lender's profile and map Reviews New Horizon Mortgage Co. Inc. 165 Main St, Suite109, Medway, MA, 02053 New Horizon Mortgage Company is a Medway, MA based mortgage brokerage company that is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in the region. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.