As of 2026, the USDA loan ceiling for Lyndhurst in the county of Bergen, NJ is set at $0; the FHA cap stands at $1,089,300 for a single-family dwelling.
Employ the Lendersa® USDA loan calculator to evaluate the prevailing USDA against FHA rates, identifying necessary qualifications such as income, credit, reserves, and paperwork. With this comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA options in parallel, assisting in the selection of the optimal program for your financial needs in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $0 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
The ambition of Lendersa® is to efficiently connect you with the best USDA or FHA loan opportunities. Choose among three initial options to find matching lenders with USDA loan schemes.
A USDA home loan, insured by the government's Department of Agriculture, known as a 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 mortgages do not necessitate any down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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