USDA Vs. FHA your options comparison in Singac, Passaic County, NJ

In 2025, the USDA loan limit for Singac in Passaic county, NJ, is set at $776,600. On the other hand, the FHA has capped it at $1,089,300 for single-family homes.

Use the Lendersa® USDA loan calculator to evaluate the best rates between USDA and FHA loans today. This tool identifies the income, credit, reserves, and necessary documents needed for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side-by-side, guiding which program suits your financial reality in .

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2025 Loan Limits and Down Payment Requirements in Singac, Passaic, NJ

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options in Singac, NJ

Lendersa® strives to quickly secure you the most advantageous USDA or FHA loan, without any hassle. Begin at one of three points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining a USDA Loan in NJ

The USDA mortgage loan, backed by the Department of Agriculture, often called the USDA rural development loan or USDA mortgage, is exclusively available for rural areas. While FHA loans require a minimum 3.5% down payment, USDA loans demand no such down payment.

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



  • CLASSIC MORTGAGE, L.L.C.
  • 25 E Spring Vall9y Ave, Suite 205, Maywood, NJ, 07607
  • Classic Mortgage, LLC specializes in all types of mortgage loans including: FHA , VA , New Construction and traditional loans. Established over 16 years ago, Classic Mortgage a New Jersey Mortgage Firm has become one of the fastest growing residential lenders in the northeast.A full service mortgage banker licensed in New Jersey, New York,
  • First Credit Group, LLC
  • 1280 Wall St. West, Suite 306, Lyndhurst, NJ, 07071
  • Our mission is to provide our clients with access to a variety of loans and financing options to help meet their business needs. Our financial products offer start-ups or existing businesses access to financing that can be used for a wide-range of purposes, including working capital, expansion, purchase of inventory, supplies, machinery, equip
  • Porch Light Mortgage
  • 45 N. Broad Street, Ridgewood, NJ, 07450
  • 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.
  • Hudson Home Mortgage LLC
  • 171 East Ridgewood Ave, Suite 204, Ridgewood, NJ, 07450
  • In 2001, after working for two local mortgage companies Nick Emanuel decided to go out on his own and open Hudson Home Mortgage. Nick had one thing in mind, to be able to offer my clients the best possible rates and programs combined with the best possible service. Hudson Home Mortgage is your local mortgage source.
  • BIRCH MORTGAGE LLC
  • 45 N Broad Street, Ridgewood, NJ, 07450
  • Birch Mortgage LLC Provides Mortgage, Home Loans, Home Financing, Re-Finance, Home Purchase, Jumbo Mortgage, Lender, Real Estate And Financing To The Ridgewood, NJ Area. Protecting your private information is our priority. This Statement of Privacy applies to the www.birchmortgage.com and Birch Mortgage LLC and governs data collection and usage.
  • Greater Alliance Federal Credit Union
  • 40 West Century Road, Paramus, NJ, 07652
  • Our Mission is To provide the highest quality financial services, through commitment to excellence and financial strength, exceeding the expectations of our members and employees. Our Vision is Commitment to making a positive difference in the financial lives of our members and in the community we serve. We want to be the financial institution.
  • Messiah Baptist Church Federal Credit Union
  • 13-17 Oak Street, East Orange, NJ, 07018
  • The Messiah Baptist Church Federal Credit Union, MBCFCU, was founded in 1973. With our low-income designation we qualify for additional funding and programs to extend services to those undeserved among traditional banking institutions. We believe all should have access to capital and the resources to build a secure financial future.
  • Regal Bank
  • 570 West Mount Pleasant Avenue, Livingston, NJ, 07039
  • Regal Bank is a full service community bank headquartered in Livingston, New Jersey. Regal Bank serves, as our primary trade area, Essex, Hudson, Somerset, Union and eastern Morris Counties. Regal Bank offers the very best in products and services, designed to help you meet your personal financial goals.
  • 1st Bergen Federal Credit Union
  • 392 Main Street, Hackensack, NJ, 07601
  • 1st Bergen’s field of membership is open to persons who live, work, worship, volunteer, attend school or conduct business in Bergen County, Paterson, or Jersey City, NJ. Immediate family of current members are also eligible to join 1st Bergen. Our mission is to empower and strengthen individuals who may not otherwise have access to banking.
  • Taylor Financial Group
  • 795 Franklin Ave, Bldg C, Suite 202, Franklin Lakes, NJ, 07417
  • At Taylor Financial Group (TFG), we have always focused on the needs of high net worth clients, assisting with portfolio management, financial planning, retirement income, and taxes. Our goal at TFG is to decrease our clients’ taxes as much as possible in retirement in order to build wealth during their lifetime (and for generations to come).
  • Donald Anfuso
  • 290 Vincent Ave, 3rd Floor, Hackensack, NJ, 07601
  • Don Anfuso, a licensed mortgage expert with 20 years of experience in New Jersey. I specialize in providing fast and accurate pre-approval letters for serious buyers, without putting a ding on your credit. Call today and get honest answers without any obligation and don mortgage company as a high school student about 25 years ago.
  • PRIME RESOURCE CAPITAL
  • 90 Main St, Suite 309, Hackensack, NJ, 07601
  • Prime Resource Capital, we take a “can do” attitude. We help find solutions. Our clients rely on our expertise to match our products to the specific need of the client. Our advisors are experienced professionals who understand that capital is a key ingredient to growth in any industry.