USDA VS FHA in Paramus, Bergen County, NJ

In 2025, the USDA loan limit in Paramus, within the county of Bergen, NJ, is set at $0, whereas the FHA limit for a single-family home is $1,089,300.

Lendersa® USDA loan calculator is ideal for comparing today’s USDA VS FHA top rates and understanding the income, credit score, reserves, and documentation needed to qualify. By using our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA programs side by side, which assists in deciding the best option in for your unique financial requirements.

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2025 Loan Limits and Down Payment Requirements in Paramus, 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 Mortgage Options in Paramus, NJ

The goal of Lendersa® is to quickly provide the most suitable USDA or FHA mortgage without any hassle. Choose one of the three starting points to get matched with lenders and USDA loan programs.

  1. Comprehensive USDA/FHA loan request
  2. Assess USDA and FHA rates & terms upfront
  3. Search the extensive USDA lender database
Lendersa USDA loan application and matching results

Defining USDA Loans in NJ

USDA home loans, supported by the government’s Department of Agriculture, are also known as USDA rural development loans or USDA mortgages and are exclusively available in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans do not require any down payment.

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  • Southwest 66 Credit Union
  • 4041 E 52nd Street, Odessa, TX, 79762
  • Southwest 66 Credit Union began in late 1948 as a financial cooperative aimed at serving the needs of Permian Basin employees of the Phillips Petroleum company. The first chairman of the board was D.M. Hankings and the first Treasurer was A.W. Brumbelow. The first branch was located in Mr. Brumbelow's home.

  • Complex Community FCU
  • 4519 East 51st Street, Odessa, TX, 79762
  • Complex Community Federal Credit Union has been open since 1958. The credit union has assets totaling $633.38 Million & provides banking services to more than 40, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working or worshipping in the credit union's geographic area can become a member.

  • Cowboy State Bank
  • 515 Dayton Street, Ranchester, WY, 82839
  • Cowboy State Bank Ranchester State Bank was founded in 1912 by Clyde C. Trader from Mountain Park, Colorado, who believed that Ranchester, Wyoming would be a good place to start a small country bank. The doors opened on May 22, 1912, in a small room in front of the Nevees building in Ranchester. From there, the bank continued to prosper and grow ov

  • Texas Regional Bank
  • 2019 South 77 Sunshine Strip, Harlingen, TX, 78550
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  • Rio Grande Valley Credit Union
  • 1221 Morgan Boulevard, Harlingen, TX, 78550
  • Rio Grande Valley Credit Union has been open since 1954. The credit union has assets totaling $152.34 Million and provides banking services to more than 17, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.

  • First Community Bank TX
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  • First Community Bank was originally chartered as the First National Bank of San Benito on September 27, 1979 and opened for business on October 3rd of that year in San Benito, Texas. The bank’s roots are evident in its ownership, represented by local businesspeople with a strong family heritage in the Rio Grande Valley.

  • Vetted Notes, LLC
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  • Reliant Mortgage Services
  • 30 Providencia Court, Suite 4M, Brownsville, TX, 78526
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  • The Bank and Trust, S.S.B.
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  • Border FCU is a not-for-profit community financial instituion owned by its members.and also BFCU's mission is to serve the community of member - owners by providing diverse, competitive and progressive financial services to improve the financial well being of our members and their families
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