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

In 2025, the USDA loan limit in Northvale, located in Bergen county, NJ, is $0, while the FHA limit for single-family homes is $1,089,300.

Leverage Lendersa® USDA loan calculator to compare current USDA versus FHA rates. Determine the necessary income, credit score, reserves, and documentation for qualification. Our state-of-the-art mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you to find the best program suited to your financial needs in .

Contrast loan offers from a selection of 100 lenders

2025 loan caps and down payment requirements in Northvale, Bergen county, NJ

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

Exploring USDA and FHA Loan Alternatives in Northvale, NJ

Lendersa® aims to quickly secure the best USDA or FHA loan for you without complication. Choose one of three options to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

A USDA home loan, also known as a USDA mortgage or rural development loan, is backed by the government and available only in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA loans demand no down payment at all.

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



  • Nicki & Karen - Compass Real Estate
  • 2945 Townsgate Rd, Suite 300, Westlake Village, CA, 91361
  • Nicki & Karen, a leading real estate team with Compass Real Estate, serve clients in the Los Angeles & Ventura areas of Southern California. Nicki LaPorta, estate agent at Compass Real Estate in Calabasas, represents buyer and sellers alongside partner Karen Crystal. She has particular expertise in new construction and high-end luxury real estate.
  • Westlake Mortgage Group
  • 2629 Townsgate Road, Suite 100, Westlake Village, CA, 91361
  • We specialize in Fast Funding transactions. Contact us for more information. Westlake Mortgage Group in Westlake Village, California As a Full Service Mortgage Broker we offer all types of Loan Financing option. Some of which include, conventional, FHA & VA. Contact one of our Professionals for more information
  • Strategic Home Loans Inc.
  • 30721 Russell Ranch Rd, Westlake Village, CA, 91361
  • Strategic Home Loans Our ultimate goal is to have each and every client of Strategic Home Loans become our loudest and only advertisement. This means that you strongly advise all of your friends and relatives to trust us in handling their financial needs with confidence, knowing that you are doing them a favor by referring them to us.
  • Elite Financial
  • 2239 Townsgate Road, Suite 205, Westlake Village, CA, 91361
  • Elite Financial has been providing mortgage lending services to individual homebuyers, real estate professionals and home builders throughout California. We maintain a high reputation for integrity and strive to go above and beyond for each client. Elite Financial offers a wide variety of loan options with the most competitive rates.
  • LoanSmart Inc.
  • 870 Hampshire Rd, Suite S, Westlake Village, CA, 91361
  • LoanSmart Inc founder of the Joe Engle goal is to work with you to design the right individual program to fit your needs.Whether you want to purchase your first home, refinance your existing home, move up or down, buy a second home or investment property, I will design the right program specifically tailored to fit your needs.
  • PennyMac Loan Services, LLC,
  • 3043 Townsgate Rd, Suite 200, Westlake Village, CA, 91361
  • At PennyMac, we know your home is more than a place to live, it’s your place to dream, laugh, and grow. That’s why we have made it our mission to be more than just a mortgage lender — restoring trust and quality in the home loan experience from beginning to end. So, whether you are just starting out with your first home
  • PennyMac Loan Services
  • 3043 Townsgate Rd, Suite 200, Westlake Village, CA, 91361
  • At PennyMac our commitment to our customers doesn’t end at closing. Our goal is to be a trusted financial partner that you can count on as long as you own your home. Being one of the top direct mortgage lenders in the country means PennyMac can focus on the needs of its customers rather than maintaining a network of branches and banking products.
  • Great American Funding Corporation
  • 860 Hampshire Road Suite S, Westlake Village, CA, 91361
  • Great American Funding Corporation is a Direct Mortgage Lending Source which allows us to offer hundreds of Mortgage Loan programs from which to choose. A Mortgage Banker can obtain lower rates and SAVE you money. We get paid by the Big Banks, to do their job better, faster, quicker, less expensive and with lower rates!
  • Harmony Mortgage
  • 699 Hampshire Rd. Suite 210, Westlake Village, CA, 91361
  • Harmony Mortgage Bankers was established in 2007 and since then the company and licensed mortgage professionals have been providing mortgage lending services to home buyers and real estate professionals throughout the state of California. We offer a wide variety of loan options with extremely competitive rates and fees.
  • BestRate Capital Funding Corp.
  • 6085 Douglas Blvd, Granite Bay, CA, 95746
  • At BestRate Capital Funding Corp., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • BATES Lending Group
  • 6085 Douglas Blvd, Suite 300, Granite Bay, CA, 95746
  • The quality of work we put into each clients home loan dictates our success as a business. The only way we are successful is to create such a ""wow"" experience for our clients that they tell their family and friends. We are committed to seeing our clients through the entire process of the mortgage application
  • Steelman Mortgages
  • 6085 Douglas Blvd, Suite 500, Granite Bay, CA, 95746
  • Our mission is to operate with honesty, integrity and clear communication. Cindy makes it her priority to respond rapidly to questions and concerns from homebuyers and homeowners. As a local, independent mortgage company in Roseville, Steelman can provide you with personalized customer service now and over the lifetime of your mortgage.