USDA and FHA Pro and Con in Kearny, Hudson County, NJ
For the year 2026, the USDA loan limit in Kearny, located in Hudson county, NJ, is set at $0, while the FHA cap for a single-family dwelling is $1,089,300.
Utilize the Lendersa® USDA loan calculator for a comparison of today’s USDA versus FHA optimal rates, determining the requirements for income, credit, reserves, and paperwork needed to qualify. This comprehensive mortgage calculator also displays USDA, FHA, Conforming, and VA loans side by side, allowing you to evaluate the best suited program in the state of for your financial situation.
Loan limits and downpayment prerequisites for 2026 in Kearny, found in Hudson county, 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 choices in Kearny, NJ
Lendersa® is committed to rapidly helping you secure the most advantageous USDA or FHA loan without any hassle. Choose one of three initial approaches that guide you to matching lenders and USDA loan programs.
A USDA home loan, endorsed by the Department of Agriculture, is commonly referred to as a USDA rural development loan or USDA mortgage, and is intended solely for rural areas. In contrast to FHA loans that demand a minimum of 3.5% down payment, USDA mortgage loans require no down payment whatsoever.
Schuyler Savings Bank has been serving the Kearny and surrounding NJ communities since 1924. As a true “Community Bank”, we are committed and dedicated to providing excellent service to our customers with branches both in Kearny and Harrison. Being very attentive to customer needs and offering more personalized service.
NFFCU was chartered in 1940 to service the financial needs of the members & their families, of the Fire Department of the City of Newark. Over the past 79 years the credit union has grown to a $18 million financial organization with 5 employees serving over 3, 000 members. NFFCU is headquartered at Newark in a credit union-built-and-owned building.
At American Fidelity Mortgage, we provide lending services and approve our clients into their next home. - Family owned and operated - Direct FHA Lender - Products available include but are not limited to - FHA, Conventional, 203k, Reverse Mortgages, Jumbo’s, USDA, Streamline Refi’s, Full Harp -program.
AMS Mortgage Services, Inc. has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual homebuyers. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending
At Keypoint 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.
Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest customer service level and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage.
Salman Capital is a family-owned In-house direct lender that provides financing for real estate investors nationally. With our own discretionary capital, we provide Bridge 12-24 month term IO financing for acquiring and stabilizing a property. We also provide asset-based DSCR financing for traditional and short term rental properties.
We're here to help PATH employees and family. We offer trusted advice and better value than banks on the financial services people use every day. PATH Federal Credit Union has been open since 1952. The credit union has assets totaling $12.78 Million and provides banking services to more than 1, 000 members.
"Liberty Savings Federal Credit Union boasts nearly $115 million in assets with over 22, 000 members. Our Mission: Provide quality, convenient financial services to a diverse membership for the economic well-being of the individual and our communities.
