In the current year, 2025, the USDA loan limit applicable to Ridgewood, located in the county of Bergen, within the state of NJ, is $0. In contrast, for a single-family home, the FHA limit is set at $1,089,300.
Take advantage of the Lendersa® USDA loan calculator to effectively assess and compare today's premier USDA with FHA interest rates. Determining your eligibility will involve calculating required income, assessing credit levels, reserves, and identifying necessary documentation for qualification. Our state-of-the-art mortgage calculator allows you to compare the features of USDA, FHA, Conforming, and VA loans side by side, equipping you with the insights needed to make an informed decision on the best mortgage plan that suits your financial circumstances in .
Loan Limits and Down Payment Requirements for 2025 in Ridgewood, Bergen, NJ
Type of Loan
Limit of Loan
Initial Down Payment
USDA
$0
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Opportunities in Ridgewood, NJ
The primary mission of Lendersa® is to provide you with the most beneficial USDA loan or FHA options quickly and efficiently, minimizing stress throughout the process. You can choose from one of three pathways designed to match you with appropriate lenders and optimal USDA loan programs tailored to your needs.
The USDA home loan is a type of mortgage that is solely supported by the government’s Department of Agriculture, commonly referred to as the USDA rural development loan or USDA mortgage. This unique loan option is exclusively accessible within rural areas. Unlike FHA loans that strictly require a baseline down payment of 3.5%, the USDA mortgage facility does not involve any down payment obligation, making it a favorable choice for many seeking housing options in designated rural regions.
In 1956 P-SJ-A Federal Credit Union was formed to provide a savings and loan program to employees of the Pharr-San Juan-Alamo Independent School District. In 1994 we changed our name to NAFT (Neighbors and Families Together) Federal Credit Union and opened our field of membership to better serve low-income designated areas.
At Highway District 21 Federal Credit Union, we are committed to providing you with the highest-quality financial services possible. It is our goal to encourage thriftiness, impose the value of savings, and spread the wise use of credit among our qualifying members. Whether you apply for a vehicle loan, our credit union is here to serve you.
Holiday Finance Corporation (HFC) offers personal loans of up to $1340 Receive immediate attention when you apply online for an installment loan from Holiday Finance Corporation in South Texas. We offer unsecured personal loans—a lending alternative that’s easy and convenient for borrowers.
La Cross Mortgage, LLC is a fast-growing mortgage company serving the Rio Grande Valley. Located in McAllen, we strive to provide fast and excellent service to home buyers throughout the South Texas region. Our team is dedicated to helping prospective buyers start better lives in better homes with the help of a better mortgage.
Bank of Commerce is committed to our community. Our mission is simply to “Be A Better Bank”. This means that we will not only work in our community, but we are proud to be actively involved in and around our community to make it a better place for all of us to live, work, and play.
With over a "Century of Service" to Phillips County, The First State Bank of Malta was organized on Jan. 8, 1903. The new bank was chartered with an authorized capital of $50,000.00. The First State Bank has grown and changed in many ways over the past 112 years, however, it still maintains the same qualities
Vantage Bank Texas is a community bank focused on meeting the financial needs of small-to-medium sized businesses. We specialize in business lending along with business cash management services Our Vision is to build a financial services company that will be relevant, competitive, profitable, and visionary.
It is the mission of WesTex Community Credit Union to serve its member/owners’ needs by exploring and providing services that help them reach their financial goals as well as educate the member/owners concerning their financial matters. This is done through professionalism, courtesy, respect
1322 E San Benito Street, Rio Grande City, TX, 78582
The Starr County Teachers Federal Credit union was founded in 1968 by a group of educators. The purpose of organizing a credit union was to provide school district employees with a financial institution of their own. This institution could offer them better rates on loans and a better return on their deposits.
RG BANK is a superior financial institution, member-owned, professionally managed, renowned for outstanding service delivered with integrity. RG BANK serves our customers and communities with commitment and pride helping to foster their achievements and success. RG BANK is a leader with the vision to welcome change and the insight to provide.
At Hamlet Financial Corporation. We know that each customer has specific needs, so we strive to meet those demands with a wide array of products, exceptional service and individualized attention. We offer an extensive network of lending sources for conforming, jumbo and super jumbo loans for primary residences, second homes
La Joya Area Federal Credit Union has been open since 1961. The credit union has assets totaling $68.95 Million and provides banking services to more than 15, 000 members as of March 2022.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a membe
