USDA VS FHA in Northvale, Bergen County, NJ

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

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Northvale, county of Bergen, NJ

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

USDA and FHA loan options in Northvale, NJ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Jersey?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Garrett Mortgage
  • 2202 N Main St, Suite 104, Cedar City, UT, 84721
  • Garrett Mortgage offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, I’m here to guide you through the process. Contact me today and learn what I can do for you.
  • State Bank of Southern Utah
  • 377 North Main St., Cedar City, UT, 84751
  • State Bank of Southern Utah was founded in 1957 by community leaders who saw a need for a bank to service their local financial needs. The ability to make local decisions on loans and financial services has always been at the center of the bank's culture and business model. Today, State Bank has 16 locations in 14 different cities and towns.
  • Cedar Woods Financial
  • 1115 S Main Street, Cedar City, UT, 84720
  • Cedar Woods Financial, 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 and your family
  • Farmers Bank - Idaho
  • 914 Main Street, Buhl, ID, 83316
  • The Bank will provide quality services & products in a safe & secure environment at competitive prices to our customers. The Bank will provide services & products by friendly, competent people who are well trained, adequately compensated, & treated fairly. Farmers Bank will be an active member of the community with a tradition of financial support.
  • Ray Federal Credit Union
  • 112 Williams Lane, Kearny, AZ, 85137
  • Ray Federal Credit Union has a proud heritage of serving miners and mining contractors of Ray, Arizona in the greater Copper Basin and neighboring communities. The mining towns of Ray, Sonora, and Barcelona have all since been closed and the area mined for copper. In 1965 the credit union built a building in Kearny, AZ.
  • Idaho First Bank
  • 475 Deinhard Ln, McCall, ID, 83638
  • Idaho First Bank is a Bank with operations in fifty states. Idaho First Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, reverse, construction, credit-challenged borrower, zero down mortgage, physician loans and Good Neighbor Next Door Program mortgages
  • American Southwest Credit Union
  • 3090 E Fry Blvd, Sierra Vista, AZ, 85635
  • We are a Co-Op and we help you thrive! By providing personal and business financial services to our members, with local decision making and local community investments, everyone benefits. We truly care about the success and financial well-being of our members. And when our members prosper, so do our communities.
  • A&A Funding Corporation
  • 10031 E. Dynamite Blvd Suite 230, Scottsdale, AZ, 85262
  • A & A Funding Corp was founded in 1982 by Hugh Anderson. Hugh at the time had extensive experience in the real estate industry starting in 1970 but created A & A Funding Corp to expand his private money lending services. In 2008, his two sons Wayne and Brad Anderson purchased A & A Funding Corp., making it a multi-generational business.
  • Northern Arizona Mortgage Corporation
  • 707 E Mingus Avenue, Cottonwood, AZ, 86326
  • We have been serving Northern Arizona since 1985 and our mission has always been 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. Furthermore, we pledge to help borrowers overcome
  • Freedom Northwest Credit Union
  • 303 Main Street, Kamiah, ID, 83536
  • Freedom Northwest Credit Union was founded in 1963 by a dedicated group of volunteers, and we operated under the name Kamiah Community Credit Union until June 2016. From very humble beginnings, guided by the vision and strong leadership of committed volunteers, we have grown to serve 12,000 members with total assets of $426 million.
  • Hard Money, LLC
  • 4333 S Avenida De Angeles, Gold Canyon, AZ, 85118
  • Arizona's HARD MONEY, LLC makes DIRECT, private bridge loans. Call/e-mail/text now to get a quick answer. Loans can be funded in as little as 5 business days; our customers come 1st. We specialize in rehab/flip loans with advances of 60-70% of the "after repaired" value. Your loan will be secured by a first trust deed on real estate.
  • Lending Arizona, LLC
  • 3531 North Pantano Road, Tucson, AZ, 85750
  • Lending Arizona, LLC Full Service Mortgage Broker-Lending Arizona LLC is a full service mortgage broker serving the Tucson, AZ area. For over 15 years lending Arizona, llc has been helping simplify the home mortgage loan process from start to finish. We have the tools to help you find the right mortgage rate, loan.