USDA Vs. FHA Pro and Con comparison in Mahwah, Bergen County, NJ

In the year 2025, the limit for USDA loans in Mahwah, within the county of Bergen, NJ, is set at $0. Meanwhile, for a single-family residence, the FHA loan limit stands at $1,089,300.

Leverage the Lendersa® USDA loan calculator to contrast current USDA and FHA rates, ascertain the income, creditworthiness, reserves, and documents required for eligibility. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, facilitating your decision on the optimal program in for your particular financial needs.

Browse loan offers from numerous lenders

2025 Loan Limits and Down Payment Details in Mahwah, County of Bergen, NJ

Loan Type Max Loan Limit Down Payment Requirement
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Available USDA and FHA Loan Choices in Mahwah, NJ

Lendersa® seeks to expedite securing the optimal USDA or FHA loan without unnecessary complications. Choose from three starting pathways that align you with matching lenders and USDA loan activities.

Lendersa USDA loan application and compatible results

Defining the USDA Loan in NJ

A USDA home loan, endorsed by the government’s Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is restricted to rural areas. Diverging from FHA loans that require at least a 3.5% down payment, USDA mortgages demand no down payment whatsoever.

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



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