In 2026, the maximum USDA loan amount available in Passaic, located in the county of Passaic, NJ, is $776,600, whereas the FHA loan cap is $1,089,300 for a single-family household.
Leverage the Lendersa® USDA loan calculator to pit today's USDA versus FHA top rates against each other and analyze the income, credit prerequisites, reserves, and documentation necessary for qualification. Employing our comprehensive mortgage calculator, you can examine USDA, FHA, Conforming, and VA options side by side, aiding you to determine the ideal program in tailored to your specific financial circumstances.
2026 Loan Limits and Down Payment Requirements in Passaic, Passaic County, NJ
Type of Loan
Ceiling Amount
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Insights on USDA and FHA Loan Choices in Passaic, NJ
The mission of Lendersa® is to expedite and streamline your attainment of an optimal USDA or FHA loan. Begin by selecting one of three initiation paths, which lead to compatible lenders and a variety of USDA loan schemes.
A USDA home loan is backed by the government through the Department of Agriculture and is often referred to as a USDA Rural Development Loan or USDA mortgage. These loans are exclusively available in rural communities. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage does not require any form of a down payment.
The Bank of New Cambria opened for business on March 25, 1933. It was organized after the two banks in New Cambria failed in January 1933 during the depression. The failed banks, the New Cambria State Bank (organized in 1892) and the Farmers and Merchants Bank (organized in 1907) were both community owned banks.
First National Bank of River Falls is proud to offer several home mortgage, home loan & home construction loan options. We're here to make the home of your dreams a reality! Our skilled team of local lenders provide local servicing on most mortgages and are eager to walk you through the buying process.
First Iowa State Bank is located in Albia, Iowa, county seat of Monroe County, on the northeast corner of the city square. The original building was built in 1869 and housed a number of businesses until 1922 when it was completely gutted and rebuilt by the Iowa Trust and Savings Bank. The present bank was formed in 1930.
The Northeast Missouri State Bank was originally chartered as Schuyler County State Bank in 1933. The name was changed to Northeast Missouri State Bank in 1988, to better reflect our area of customer service, and the main bank moved to Kirksville, MO. In 2004, the bank expanded by purchasing the LaPlata State Bank.
Alliant Bank strongly believes we are partners with our communities. Helping those in our communities pursue their dreams is what we are all about. Our goal is to be the place you come to when you set out to achieve your dreams.
No matter what you are trying to achieve; buying a new home
We believe in providing quality service beyond what is traditionally expected. At Connections Bank, you are guaranteed to find friendly customer service representatives to assist you with your lending and savings. We have an experienced lending staff offering a wide range of both consumer and commercial loan products.
Peoples Savings Bank has its origins in both Cleves and Wellsburg, Iowa. The Cleves Savings Bank started January 25, 1912, and then later changed its name to Security Savings Bank. In July 1934, the board and the stockholders of the bank wanted to reorganize and have the main bank in Wellsburg while maintaining a bank in Cleves.
Marine Bank & Trust As a true community bank, we are committed to the success of the community, its residents and its businesses. All Marine Bank employees live in the local area and Marine Bank directors are actively involved in being a resource to help our communities grow and prosper.
