USDA and FHA Pro and Con in Roselle-Park, Union County, NJ

As of 2025, the USDA loan limit in Roselle-Park, situated in Union county, NJ, is $0, while the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare current best rates for USDA versus FHA loans and understand the required income, credit, reserves, and documents for qualification. With this advanced calculator, you can see USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program for your financial situation in .

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Loan Limits and Downpayment Requirements 2025 in Roselle-Park, Union, NJ

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

USDA and FHA Loan Options in Roselle-Park, NJ

Lendersa® aims to provide you with the best USDA or FHA loans quickly and hassle-free. Choose one of three starting points to link with potential lenders and USDA loan programs.

Results of Lendersa USDA loan requests

Understanding USDA Loans in NJ

The USDA home loan, a government-backed offer by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is tailored for rural areas only. Unlike FHA loans that necessitate a 3.5% down payment, the USDA mortgage requires no down payment.

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



  • Queen City Mortgage Company, LLC
  • 8150 Corporate Park Dr, Suite 200, Cincinnati, OH, 45242
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • McKinley Mortgage
  • 4520 Cooper Road, Suite 301, Cincinnati, OH, 45242
  • McKinley Mortgage was founded in 1997 as the vision of its owner Paul V. Luck III. The company is named after the late President McKinley. We are here to help our goal at McKinley Mortgage is to try and put you in a better financial position than you are now. After the loan process McKinley Mortgage has been servicing Ohio and Kentucky since 1997
  • River City Mortgage
  • 4555 Lake Forest Drive, Suite 450, Cincinnati, OH, 45242
  • River City Mortgage is a full service direct mortgage lender offering an easy, customized experience for each client. In the beginning, they grew steadily by staying abreast of daily market trends and partnering with lenders in neighboring states to service clients in the Tristate area.
  • Build Realty
  • 9468 Towne Square Ave Blue Ash, Cincinnati, OH, 45242
  • Build Realty is in the business of helping real estate investors of all experience levels maximize their return on investment while minimizing their risks. Specialties:- real estate, investing, Real estate investment strategic planning, property renovation, development, Hard money, Construction management, and Bridge financing
  • Sorg Bay West FCU
  • 400 North Broad Street, Middletown, OH, 45042
  • Sorg Bay West Federal Credit Union Web Site. The Sorg Bay West FCU offers a full range of financial services. We are member owned, which means we can offer savings with more services, and more advantages to our members. Whether you are looking for a loan, checking account, savings
  • Butler Heritage Federal Credit Union
  • 660 N University Boulevard, Middletown, OH, 45042
  • BHFCU is owned and governed by its members. Members exercise their democratic control of the credit union by attending the credit union's annual meeting and electing the Board of Directors from amoung their number. The Board's function is to provide general direction and control of the affairs of the credit union
  • ACF Home Loans LLC
  • 1081 North University Boulevard, Suite C, Middletown, OH, 45042
  • ACF Home Loans, a professional mortgage company specializing in residential mortgages.ACF Home Loans, we will find a loan that fits each borrower.Unlike big banks that have order takers helping you with your loan, we have highly skilled & trained loan consultants.Our consultants know what it takes to get through underwriting quickly & efficiently.
  • County National Bank
  • 1 South Howell Street, Hillsdale, MI, 49242
  • County National Bank is deeply committed to the communities we serve. On March 19, 1934, roughly fifty business people put up personal monies to invest and capitalize County National Bank. From that time, we have grown to 12 full-service branches in four counties in south-central Michigan.
  • Founders Mortgage
  • 5300 Cureton Ferry Road, Catawba, SC, 29704
  • The Department of Veterans Affairs offers a loan guaranty program to veterans, current military members, and their families to assist them in becoming home owners during or after their time of military service. This program was begun in 1944 to aid returning service members who had fought in World War II. During the past seventy-plus years.
  • 1st Heritage Credit
  • 110 N Anderson Rd, Suite 118, Rock Hill, SC, 29730
  • First Heritage Credit is the perfect place to start a career in Consumer Finance. With operations in 100+ branch offices in Alabama, Louisiana, Mississippi, South Carolina, and Tennessee, we’re looking for motivated and customer-focused individuals to start a career with us. Our goal is to help our customers achieve their goals.
  • Qualfirst Mortgage
  • 742 N. Anderson Rd, Suite 118, Rock Hill, SC, 29730
  • Qualfirst Mortgage is a full-service mortgage brokerage firm, covering North and South Carolina, that is partnered with America's best Mortgage Lenders. We will provide to you the best service, best turnaround times, lowest rate and most flexible mortgage loan products and Qualfirst Mortgage has 30 years of lending experience