USDA and FHA Pro and Con in Midland-Park, Bergen County, NJ

In 2025, the USDA loan limit in Midland-Park, situated in Bergen County, NJ, is $0, while the FHA limit for a single-family home stands at $822,375.

Utilize the Lendersa® USDA loan calculator to compare the most favorable USDA vs. FHA rates today. Discover the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side-by-side, aiding you in deciding which program is best suited for your financial needs, especially if you are in .

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2025 Loan Limits and Downpayment Details in Midland-Park, Bergen County, NJ

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

Options for USDA and FHA Loans in Midland-Park, NJ

The aim of Lendersa® is to provide you with the best USDA or FHA loan swiftly and with ease. Choose one of three starting points for connecting with lenders and accessing USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans require no down payment, making them an attractive option for many buyers.

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



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  • Founded in 2009, Town Square Mortgage has built a strong reputation as a preferred mortgage lender by serving the needs of homebuyers, real estate professionals, and builders. Town Square Mortgage is an all-inclusive mortgage lender dedicated to finding you a home loan that meets your specific needs. Having the loan process in-house
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  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible along with the best service in the industry. Furthermore we pledge to help borrowers overcome roadblocks that can arise while securing a loan
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