USDA Loan Vs. FHA loan for Rutherford, NJ 2025

In the year 2025, the USDA loan limit for a single-family residence in the city of Rutherford, within Bergen county, NJ, is set at $0. On the other hand, the FHA loan limit for similar properties is $1,089,300.

For the best financial decisions, utilize the Lendersa® USDA loan calculator. This tool allows you to compare the best USDA and FHA rates available today, helping you understand the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the right program in that fits your financial circumstances perfectly.

Exploring Loan Options: USDA and FHA in Rutherford, NJ

The aim of Lendersa® is to provide you with the most suitable USDA or FHA loan options promptly and effortlessly. Start by choosing one of three paths to connect with matching lenders and USDA loan programs.

Lendersa USDA Loan Request Matching Results

Understanding USDA Loans in NJ

The USDA home loan, guaranteed by the United States Department of Agriculture (USDA), also known as a USDA rural development loan or USDA mortgage, is specifically intended for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment at all.

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(302) 535-7327 Lender's profile and map Reviews WHITECAP MORTGAGE LLC 39682 Sunrise Ct, Bethany Beach, DE, 19930 Whitecap Mortgage was founded from a desire to offer a better option to our customers. We believe that you shouldn’t have to choose between getting a competitive interest rate or getting an excellent mortgage experience, and from that belief our company was born. We take pride in treating our clients with honesty and integrity.
(508) 384-6101 Lender's profile and map Reviews Wrentham Co-operative Bank 102 South Street, Wrentham, MA, 02093 Wrentham Cooperative has been a place people can trust for all of their personal and business financial needs since 1901. Unlike most banks, we provide you with the services YOU actually want and need, not the services we want you to buy. We work quietly and steadily every day to improve our services
(315) 797-3575 Lender's profile and map Reviews Special Metals Federal Credit Union 4340 Middle Settlement Road, New Hartford, NY, 13413 Special Metals Federal Credit Union, located at 4340 Middle Settlement Rd, New Hartford, N.Y, is proud to be in its 51st year of serving its membership! Chartered in 1961, our asset size has grown to $13 million over the years. We serve almost 1200 members, including employees of Special Metals, retirees, and family members of employees.
(315) 724-1654 Lender's profile and map Reviews GPO Federal Credit Union 4311 Middle Settlement Road, New Hartford, NY, 13413 GPO Federal Credit Union is proud to be one of the area’s largest credit unions, serving more than 30, 000 members from Oneida, Herkimer, Madison Counties and beyond. As a credit union, we are a not-for-profit, member-owned financial cooperative. At GPO, our mission statement is simple, ‘Our Focus is You’. We aim to serve our members.
(315) 735-8571 Lender's profile and map Reviews First Source Federal Credit Union 4451 Commercial Drive, New Hartford, NY, 13413 First Source Federal Credit Union is dedicated to helping people Live Smarter, offering financial services and education to improve the quality of life of their Members and the communities they serve. Founded in 1938, First Source is a not-for-profit, Member-owned financial cooperative with branches in New Hartford, North Utica, South Utica, Rome,
(607) 272-8567 Lender's profile and map Reviews Tompkins Employees Federal Credit Union Tompkins Employees Federal Credit Union, Ithaca, NY, 14850 The Tompkins Employees Federal Credit Union (TEFCU) is organized to serve people who live, work and/or own a business in Tompkins County. As a community based financial institution, owned and operated by our members, our purpose is to provide financial advice and competitive priced line of financial products
(607) 273-4611 Lender's profile and map Reviews Alternatives Federal Credit Union 125 North Fulton Street, Ithaca, NY, 14850 Alternatives is a regional Community Development Credit Union (CDCU) & a Community Development Financial Institution (CDFI). Our mission is to build wealth & create economic opportunity for underserved people & communities. Our vision is to lead an economic movement to create thriving, empowered communities with financial freedom for everyone.
(607) 257-8500 Lender's profile and map Reviews CFCU Community Credit Union 1030-1050 Craft Road, Ithaca, NY, 14850 Our mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge & ability of our members to manage & control their financial well-being; to provide sound financial management.
4434907386 Lender's profile and map Reviews Trius Lending Partners 1104 Kenilworth Ave Ste 501, Towson, MD, 21204 We are the Mid Atlantic’s top rated private lender, expanding from NY to FL. We offer fast flexible reliable loans with common sense underwriting and no appraisal needed. Fix and flip or fix to rent with 100 percent rehab, all property types, 150K to 5MM, closings in 48 hours. New investors welcome. Referral fees paid!
(410) 828-4730 Lender's profile and map Reviews Baltimore County Employees Federal Credit Union 23 W Susquehanna Avenue, Towson, MD, 21204 Baltimore County Employees Federal Credit Union is a full-service financial institution offering a range of outstanding lending, savings, and online financial services to its members throughout the Baltimore metro area. As a non-profit cooperative, we value our members and work diligently to help them achieve their financial goals.
(410) 337-1319 Lender's profile and map Reviews St. Joseph Medical Center Federal Credit Union 7601 Osler Drive, Towson, MD, 21204 St. Joseph Medical Center MD FCU is a member owned credit union whose purpose is to provide quality service through our “People Helping People” philosophy. We continuously strive to offer personalized services while maintaining financial strength and stability. credit union is managed by a volunteer board of directors and various committee members.
(315) 272-2500 Lender's profile and map Reviews Adirondack Bank 185 Genesee Street, Utica, NY, 13501 Adirondack Bank, we value putting a face to a name. That’s why for over a century we’ve personally dedicated ourselves to delivering trusted, full-service community banking to the families and businesses of Upstate New York. Adirondack Bank consistently provides cutting edge banking, standing as an eight-time recipient of the Small Business Lender