USDA and FHA Pro and Con 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?



  • Battle Creek State Bank
  • 202 W Main St, Battle Creek, NE, 68715
  • Battle Creek State Bank prides itself on being an independent, locally owned bank serving the financial needs of Battle Creek and its surrounding area in Northeast Nebraska. We are dedicated to providing professional banking services. We treat people the way we would like to be treated, with complete honesty and confidentiality.
  • The Security State Bank
  • 117 N Third St, Emery, SD, 57332
  • The Security State Bank is located in Emery, SD, United States and is part of the Depository Credit Intermediation Industry. The Security State Bank has 12 total employees across all of its locations and generates $1.41 million in sales (USD). There are 2 companies in the The Security State Bank corporate family.
  • Louisiana Baptist Federal Credit Union
  • 1250 MacArthur Drive, Alexandria, LA, 71303
  • Louisiana Baptist Federal Credit Union has been open since 1975. The credit union has assets totaling $5.26 Million and provides banking services to more than 900 members. The credit union is a religious-based credit union. Membership is also open to immediate family of current members.
  • Louisiana Land Bank
  • 3640 Bayou Rapides Road, Alexandria, LA, 71303
  • Louisiana Land Bank, ACA is headquartered in Monroe, Louisiana, with 11 locations state-wide to meet your agriculture and rural financing needs. Louisiana Land Bank has been Louisiana's premier agricultural lender for over 100 years. We are a locally owned and operated lending cooperative whose specialty and expertise are making agricultural loans.
  • Southern Heritage Bank
  • 5211 Jackson Street, Alexandria, LA, 71303
  • Let Southern Heritage Bank help celebrate one of the most exciting times of your life by choosing us for your mortgage needs! While buying a home is one of the biggest decisions you'll ever make, selecting the right mortgage loan can be just as important. Your lifestyle. Your budget. Your comfort level.
  • Morris Sheppard Texarkana Federal Credit Union
  • 419 W 4th Street, Texarkana, TX, 75501
  • Morris Sheppard Texarkana FCU will continue to uphold its fundamental responsibility to actively serve people within our field of membership, which consists of the employees of the City of Texarkana TX, City of Texarkana AR, Bowie County and their spouse, children, and grandchildren. We will continue to deliver a range of low cost products.
  • FCI Federal Credit
  • 2500 Leopard Drive, Texarkana, TX, 75501
  • FCI Federal Credit Union were granted a charter with the National Credit Union Administration. Our membership field included the employees and their immediate families of the Texarkana Federal Correctional Institution. This Credit Union is a not for profit financial cooperative that is owned by the people who use it and is governed.
  • Domino Federal Credit Union
  • 4702 S Lake Drive, Texarkana, TX, 75501
  • Domino Federal Credit Union was chartered on August 23, 1973. Employees of International Paper Mill in Domino, Texas worked together to establish this institution. In the beginning, Domino Federal Credit Union only offered Savings and Loans. It has since grown to offer Checking Accounts, IRAs, Share Certificates, Online Banking and more
  • Red River Credit Union
  • 1000 Pine, Texarkana, TX, 75501
  • Red River Credit Union employs over 350 local residents to manage over $900 million in assets. Our membership is over 110,000 strong. As a premier financial institution, Red River Credit Union can offer its membership loans, deposit accounts, and financial services to meet their every need.