USDA VS FHA in North-Arlington, Bergen County, NJ

In 2025, the USDA loan limit for North-Arlington, in the county of Bergen, NJ, is set at $0, while the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding you in selecting which program in best fits your financial situation.

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2025 Loan Limits and Downpayment Requirements in North-Arlington, Bergen, NJ

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

USDA and FHA Loan Options in North-Arlington, NJ

The mission of Lendersa® is to quickly provide you with the best USDA or FHA loan without hassle. Choose one of three starting points to connect with matching lenders and USDA loan programs.

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Understanding USDA Loans in NJ

A USDA home loan is guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. Available only in rural neighborhoods, it requires no down payment, unlike FHA loans, which require a minimum of 3.5% down.

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



  • Local 520 U.A. Federal Credit Union
  • 7193 Jonestown Road, Harrisburg, PA, 17112
  • Local 520 UA Federal Credit Union We appreciate your business and look forward to servicing your every day needs. We are working to add more benefits to your Credit Union experience in the upcoming months. Stay tuned to our page and be sure to check out your statements and added mailers.
  • Kane Mortgage, Inc
  • 4755 Linglestown Road, Suite 205, Harrisburg, PA, 17112
  • Kane Mortgage, Inc. was founded in 2002 by Kane Smeltz. From the humble beginnings where Kane handled all of the various aspects of loan origination to loan closing himself, KMI has grown to a staff of nine. The KMI staff includes the Owner, four Mortgage Originators, two Processors, a Human Resource Manager and a Client Relations Specialist.
  • RI Mortgage Brokers
  • 21 Trafford Park Dr, Coventry, RI, 02816
  • Ocean State Credit Union
  • 1584 Nooseneck Hill Rd, Coventry, RI, 02816
  • Ocean State Credit Union have aimed to provide our members with sound, simple financial solutions. In that time we have evolved, and our offerings have been designed to meet the ever-changing needs of our members. From those humble beginnings, Ocean State Credit Union has grown to become a statewide credit union offering.
  • Blue Chip Federal Credit Union
  • 5050 Derry Street, Harrisburg, PA, 17111
  • Founded in 1948 as RDG Harrisburg Credit Union to serve the financial needs of railroad workers in central PA. In 1976, we changed our name to CenPennRail Credit Union when we amended our charter to include employees of AMTRAK & CONRAIL who worked in central PA. At this time, family relatives of members became an important part of the credit union.
  • Belco Community Credit Union
  • 449 Eisenhower Boulevard, Suite 200, Harrisburg, PA, 17111
  • Belco Community Credit Union was organized in 1939 as a federally chartered credit union, serving the employees of Bell Telephone Company of Harrisburg, Pennsylvania. Belco's conversion to a state chartered credit union in 1997 opened the doors to expanding services to other businesses in Central Pennsylvania.
  • West Milton State Bank
  • 940 High Street, West Milton, PA, 17886
  • Susquehanna Community Bank was founded March 13, 1920, with 201 accounts and resources of $49, 000 in the village of West Milton, PA along the Susquehanna River. As our resources grew, so did our success. In 2020, we were ranked 63rd in the Nation as a Top Community Bank by US Banker Magazine
  • First National Bank of Scotia
  • 201 Mohawk Avenue, Scotia, NY, 12302
  • At 1st National Bank of Scotia, we rely on our decades of experience both inside and outside the banking industry to help provide our loyal customers with the products and services to fit their needs. Our Board of Directors truly care about providing for our customers and our communities today, tomorrow, and well into the future.
  • White Rose Credit Union
  • 3498 Industrial Drive, York, PA, 17402
  • White Rose Credit Union offers the amenities of a big bank, with small town charm and personalized customer service. Serving over 11, 000 members at 5 public branches, membership is open to those who live, work, worship, attend school or own a business in York or Adams County Pennsylvania.