In 2026, 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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $0 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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