USDA Vs. FHA Pro and Con comparison in Ringwood, Passaic County, NJ
During 2025, the USDA loan threshold in Ringwood, located in the county of Passaic, NJ, is $776,600. Meanwhile, the FHA limit for a single-family home is set at $1,089,300.
Employ the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rate comparisons and deduce necessary income, credit score, reserves, and documentation for qualification. Our intricately designed mortgage calculator displays options side by side for USDA, FHA, Conforming, and VA loans, aiding your decision on the suitable program in based on your financial profile.
Loan limits and down payment specifications in Ringwood, county of Passaic, NJ for 2025
Loan Category
Loan Maximum
Down Payment Requirement
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Explore USDA and FHA Loan Choices in Ringwood, NJ
Lendersa® aims to provide you with the optimal USDA or FHA loan swiftly and efficiently without unnecessary hassle. Begin with one of the three starting points that align you with lenders tailored to the USDA loan programs.
A USDA home loan, sanctioned by the U.S. Department of Agriculture, also recognized as a USDA rural development loan or mortgage, is exclusively accessible for rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans eliminate the need for a down payment entirely.
Highpoint Community Bank was founded as Hastings City Bank in 1886 when 35 Hastings investors provided the initial capital of $50,000. At the time, we served the town and community of Hastings with its economy driven mostly by sawmills. As our bank grew through the years, we expanded into Middleville, Caledonia, Nashville, Bellevue and beyond.
Thornapple Credit Union has been open since 1964. The credit union has assets totaling $57.82 Million and provides banking services to more than 7, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
Brickwood Mortgage, Inc. was established in 2007, and is dedicated to providing our clients with the lowest available rates while offering the best mortgage experience possible in both South Carolina & California. We are headquartered in Surfside Beach, South Carolina for all face to face clients, or will be happy to handle the entire transaction.
At Andrew Johnson Bank, exceptional service from people you know is our focus. We are, and will remain, a community-led bank with the best interest of those we serve. We strive for excellence in every way, and we want to exceed your expectations. We promise to treat you, our friend, with respect.
Greeneville Federal Bank, FSB, is a locally owned, full-service financial institution that has served Greeneville and Greene County since 1960. The bank has changed dramatically during the last 61 years but one thing has remained the same–our commitment to the people of Greeneville and Greene County.
DeTour Drummond Community Credit Union was established in 1960. We have been serving residents and visitors to the DeTour and Drummond Island Area since day one. Our ATMs are located at the Credit Union on Drummond Island and at the DeTour Branch, as well as Yooperman Bar & Grill in Goetzville.We are happy to assist you
UKFCU is a rapidly growing, non-profit federally chartered credit union dedicated to providing quality financial services. For over 70 years, our commitment to providing exceptional customer service to every member of the cooperative sets us apart from other organizations. We strive to create a professional environment that fosters personal growth.
Founded in 1978 by Mr. Elmer Whitaker as Whitaker Bancorp, what is now Whitaker Bank Corporation of Kentucky has expanded from five locations within three counties and total assets of $59 million to 45 banking locations within 17 counties and combined total assets of $2.05 billion. Whitaker Bank and Peoples Bank operate as wholly-owned
141 Prosperous Place, Suite 25, Lexington, KY, 40509
Our team of mortgage professionals, led by Martin Blair, has well over a century of experience "making home happen". Powered by EMB Lenders, a Division of Mid America Mortgage Inc, our team has nationwide reach but provides a personalized, hands-on loan experience. We are currently licensed to provide mortgages in-house.
CBGC LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time.
153 Prosperous Place, Suite 2B, Lexington, KY, 40509
At Pro Mortgages LLC You can trust us to find the loan program that’s best for you. When you decide to buy a home or refinance a mortgage, it’s a big step. Buying a new home is a source of anxiety, frustration — and a huge sense of accomplishment. You didn’t pick the house that was best for someone else,
