In 2026, the USDA loan limit in Paterson, within the county of Passaic, NJ, is set at $776,600. For a single-family home, the FHA limit reaches $1,089,300.
Utilize the Lendersa® USDA loan calculator to assess today’s optimal USDA vs. FHA rates. Determine the income, credit requirements, reserves, and documentation needed for eligibility. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, assisting in choosing the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The purpose of Lendersa® is to secure you the best USDA or FHA loan quickly and with ease. Choose one of three strategies that connect you with potential lenders and discover USDA loan options.
A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is strictly available in rural areas. Contrary to FHA loans that necessitate a 3.5% down payment, USDA loans do not require any down payment, enhancing access for rural homebuyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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