USDA and FHA Pro and Con in Pompton-Lakes, Passaic County, NJ
For the year 2026, the USDA loan limit in Pompton-Lakes, which is located in the county of Passaic, NJ, is set at $657,900. Meanwhile, the FHA loan cap for a single-family home is $822,375.
By utilizing the Lendersa® USDA loan calculator, you can effectively compare the current top rates between USDA and FHA loans. This tool is useful for determining the required income, credit score, reserves, and necessary documents to qualify. Our advanced mortgage calculator provides a comparative view of USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most appropriate program in for your personal financial situation.
2026 Loan Limits and Down Payment Criteria in Pompton-Lakes, Passaic County, NJ
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Overview of USDA and FHA Loan Alternatives in Pompton-Lakes, NJ
The primary objective of Lendersa® is to ensure you obtain the best USDA or FHA loan available, quickly and without any hassle. Choose one of the three initial options to link up with the right lenders and USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively for rural areas. Contrary to FHA loans which necessitate a minimum down payment of 3.5%, USDA loans require no down payment at all.
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