USDA Vs. FHA Pro and Con comparison in Ridgefield-Park, Bergen County, NJ

In 2025, the loan cap for USDA in Ridgefield-Park, within Bergen county of NJ, is $0, whereas the FHA limit is $822,375 for a single-family home.

Leverage the Lendersa® USDA loan calculator to compare USDA vs FHA best rates today, evaluating the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, see USDA, FHA, Conforming, and VA offers side by side, assisting in choosing the best financial solution for your needs in .

Explore 100 lender offers

2025 Loan Limits and Downpayment Requirements in Ridgefield-Park, Bergen, NJ

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conforming Conventional $822,375 3%

USDA and FHA Loan Choices in Ridgefield-Park, NJ

The objective of Lendersa® is to provide you the best USDA or FHA loan quickly and without hassle. Choose from three starting paths that connect you with lenders and access to USDA loan programs.

Findings of Lendersa's USDA loan requests

Understanding USDA Loans in NJ

A USDA home loan is backed by the government's Department of Agriculture, also called a USDA rural development loan or mortgage, exclusively available in rural areas. Unlike FHA loans that demand at least a 3.5% down payment, USDA mortgages require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Clear Sky Financial, LLC
  • 9406 Jackson Street, Burke, VA, 22015
  • Clear Sky Financial knows the DC/VA/MD metro area’s residential real estate market deeply, is a trusted partner for investors across the region, and has a proven track record. We are quickly able to discern which opportunities are viable and how we can help you succeed.Clear Sky Financial’s success starts with our community and the People in it
  • Clear Sky Financial
  • 9406 Jackson Street, Burke, VA, 22015
  • Clear Sky Financial knows the DC/VA/MD metro area’s residential real estate market deeply, is a trusted partner for investors across the region, and has a proven track record. We are quickly able to discern which opportunities are viable and how we can help you succeed. Clear Sky Financial strives to give back to the community.
  • DMV Residential Funding; LLC
  • 12401 Braddock Road, Fairfax, VA, 22030
  • At DMV Residential Financing, we are passionate about making the dream of homeownership a reality. Founded by seasoned loan officers, we know that buying or refinancing a home is one of life’s biggest milestones—and it should be a smooth and rewarding experience. We strive to deliver the highest levels of service to help you reach your goals.
  • First Virginia Community Bank
  • 11325 Random Hills Road, Fairfax, VA, 22030
  • Opened in November 2007, our vision entails working with our shareholders, friends and neighbors to build a financial services organization that will focus on the Northern Virginia and Maryland business communities, its owners and employees. We believe our Bank should do more than provide traditional banking products.
  • NextMark Credit Union
  • 4201 Members Way, Fairfax, VA, 22030
  • The name NextMark captures the possibilities inherent in what we offer. It’s all about helping our community confidently navigate their financial journey by being more active and more fully engaged. It’s about turning dreams into goals and finding the shortest distance to financial success. We’re good at what we do.
  • Apple Federal Credit Union
  • 4097 Monument Corner Drive, Fairfax, VA, 22030
  • Apple FCU offers everything you’d expect from a financial institution, but it’s our personalized service that truly reflects the Apple difference that transforms banking from a chore into an experience. We’re grateful for every member who chooses to be a part of the Apple family.
  • The Freedom Bank of Virginia
  • 10555 Main Street, Suite 100, Fairfax, VA, 22030
  • The Freedom Bank of Virginia was founded July 23, 2001. We are a local, full-service bank utilizing an optimized network of sales offices, talented banking professionals, industry expertise and innovative technology to build client relationships throughout the Northern Virginia/DC MSA.
  • Mainstreet Bank
  • 10089 Fairfax Blvd, Fairfax, VA, 22030
  • MainStreet Bank, Member FDIC, is a community bank headquartered in Fairfax, Virginia and serving the Washington, DC metropolitan area. MainStreet has 55, 000 free ATMs across the United States and in Canada, Mexico and the UK. With a robust and easy-to-use online business banking technology, MainStreet has “put our bank
  • First Mortgage Group, Inc.
  • 10807 Fieldwood Drive, Fairfax, VA, 22030
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Nucasa Mortgage
  • 4097 Monument Corner Drive, 6th Floor, Fairfax, VA, 22030
  • Nucasa Mortage is a modern mortgage lender. We provide people a better path to home through our simple, fast, and reliable mortgage lending experience. Whether you're a first-time homebuyer, an experienced investor, or you're simply looking to refinance the home you already love; you can rest easy knowing you're in good hands as we guide you
  • Credit Union Mortgage Association, Inc.
  • 10800 Main Street, Fairfax, VA, 22030
  • Credit Union Mortgage is a full-service mortgage company 100% credit union owned and dedicated to serving the credit union community. Formed by credit unions in 1978 and exclusively serving the needs of credit unions and their members nationwide we provide fulfillment services on residential mortgage loans to credit unions of all sizes.
  • George Mason Mortgage, LLC
  • 4100 Monument Corner Drive, Suite 100, Fairfax, VA, 22030
  • Our foundation is built on the goal of helping families in our communities develop financial wealth and independence through homeownership. We serve both our clients and business associates with the products, technology and experience to provide the best solutions for your unique financial story.