USDA and FHA Pro and Con in Rochelle-Park, Bergen County, NJ

In the year 2025, the USDA loan limit within Rochelle-Park, located in Bergen County, NJ, is set at $0, whereas the FHA limit for a single-family residence is $822,375.

Utilize the Lendersa® USDA loan calculator to thoroughly compare current USDA and FHA rates, determining necessary income, credit scores, reserves, and documentation for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best financial program tailored for your circumstances within .

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Loan Limits and Down Payment Requirements for 2025 in Rochelle-Park, Bergen County, NJ

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

Exploring USDA and FHA Loan Options in Rochelle-Park, NJ

Lendersa® is committed to securing you an optimal USDA or FHA loan with ease and speed. Begin with one of three approaches to align with lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

An Overview of USDA Loans in NJ

A USDA home loan, backed by the government's Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is designated exclusively for rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • The Chasewood Bank
  • 20333 State Hwy 249, Suite 100, Houston, TX, 77070
  • Chasewood Bank has been recognized as one of the safest U.S. banks according to MSN and given a 5 star rating by Bauer Financial, Inc, indicating we are also one of the strongest banks in the U.S. While we are proud of such recognition, our number one goal is to stay true to the title of community bank.
  • Vogler Mortgage LLC
  • 118 Vintage Park Boulevard, Suite W700, Houston, TX, 77070
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Sequoia Mortgage LLC
  • 118 Vintage Park Boulevard, Suite WV162, Houston, TX, 77070
  • We founded Sequoia Mortgage with the core belief that we can provide a better and more personalized experience to every customer we are privileged to serve. Providing that intangible something that takes average to amazing is what drives us. These aren't just words to us, they are the force behind everything we do to help our customers.
  • Vintage HomeLoan, LLC
  • 10924 Grant Rd PMB, Suite 119, Houston, TX, 77070
  • Vintage home loan LLC mission is to deliver the traditional values of extreme competence and excellent customer service through the entire loan experience and also offer the same traditional mortgage lending options as our competition, but we have leapt into the future of mortgage lending by offering non traditional mortgages as well.
  • Next Step Home Loans, LLC
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  • Next Step Home Loans, LLC is a mortgage broker headquartered in Houston but we can offer our programs and mortgage services throughout the entire State of Texas. We are a preferred mortgage broker for some of the top mortgage wholesale lenders in the country and we use that preferred status to offer our clients.
  • The Farmers State Bank of Oakley, Kansas
  • 100 Center Avenue, Oakley, KS, 67748
  • At Farmers State Bank, we’re proud of over 100 years of service to the community and our community bank status. Our bank was chartered on March 18, 1907, and we are located in Logan County in Northwest Kansas. Our parent holding company is Security Bancshares, Inc. Oakley is located on I-70, Highway 83 and Highway 40.
  • Quick lending
  • 720 W 26th St, Houston, TX 77008, Houston, TX, 77008
  • Discover Quick Lending: Texas-based private hard money lender, transforming investment opportunities with unbeatable terms. Our game-changing loans start with just 5% down, covering up to 75% of the ARV. Enjoy speedy funding within 7 days, no credit checks, and zero extension fees. Ideal for flips, rentals, and new constructions, our investor-frien
  • Union Fidelity Federal Credit Union
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  • Union Fidelity Federal Credit Union is a full-service, not-for-profit cooperative financial institution. Our primary objective is to serve our members the best way possible. The credit union is committed to put forth every effort to enable our members to become financially self-sufficient and successful.