USDA and FHA Pro and Con in North-Haledon, Passaic County, NJ

In 2026, the USDA loan limit in North-Haledon, within Passaic county of NJ is $657,900, while the FHA limit for a single-family home is set at $822,375.

Utilize the Lendersa® USDA loan calculator to effectively compare today's USDA and FHA top rates and determine the income, credit, reserves, and documentation required to qualify. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding which program in is best suited to your financial situation.

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Details on 2026 Loan Limits and Downpayment Requirements in North-Haledon, Passaic, NJ

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Available USDA and FHA Loan Options in North-Haledon, NJ

Lendersa® aims to quickly connect you with the most suitable USDA or FHA loan, minimizing any hassle. Select one of three starting points to match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, insured by the government Department of Agriculture, also known as a USDA rural development loan or mortgage, is only available in rural neighborhoods. In contrast to FHA loans requiring a minimal down payment of 3.5%, USDA loans require no down payment at all.

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



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