USDA VS FHA in South-Orange-Village, Essex County, NJ

During 2025, in South-Orange-Village, Essex county, NJ, the USDA loan limit is $0, while for FHA it's $822,375 for single-family residences.

Utilize the Lendersa® USDA loan calculator to evaluate the best rates comparing USDA and FHA loans today, checking the needed income, credit, reserves, and documents. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA loans side by side, determining the most suitable option for your situation in .

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2025 Loan Limits and Down Payment Needs in South-Orange-Village, Essex, NJ

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

Explore USDA and FHA Loans in South-Orange-Village, NJ

Lendersa® aims to secure the best USDA or FHA loan for you quickly and smoothly. Start with one of three methods to match with lenders and USDA loan programs.

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Understanding USDA Loans in NJ

The USDA home loan is guaranteed by the Department of Agriculture, also known as the USDA rural development loan or mortgage, offered only in rural areas. Contrary to FHA loans needing 3.5% down, the USDA loan requires no down payment.

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



  • LoanFIT LLC
  • 635 Casllisto Drive, Suite 103, Loveland, CO, 80537
  • The LoanFIT Team is a group of professionals with one goal in mind: to assist you in securing the ideal loan for your new home purchase, investment property purchase, or refinance. Learn exactly what you can expect when working with the LoanFIT Team from others' experiences below.
  • Community Mortgage Partners LLC
  • 7431 Park Meadows Drive, Lone Tree, CO, 80124
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
  • Mountain View Lending Specialists LLC
  • 10465 Park Meadows Drive, Suite 107, Lone Tree, CO, 80124
  • Mountain View Lending has over 25 years lending experience in the financial industry. In fact, our owner’s mortgage experience includes senior management for the mortgage securities division of a Wall Street based Fortune 100 Company. As a result we are uniquely positioned to provide excellent home loan products and rates.
  • Graham Financial
  • 9233 Park Meadows Drive, Suite 400, Lone Tree, CO, 80124
  • We have access to programs most banks cannot access with access to wholesale financing. Less cost and lower rates, gives homeowners access to more affordability. We can perform financing for those that are behind on their mortgage that need to catch up, all the way to the most qualified individuals
  • A Better Choice Mortgage
  • 10375 Park Meadows Drive, Suite 500, Lone Tree, CO, 80124
  • In 2001, A Better Choice Mortgage was established to provide Colorado homeowners a less expensive alternative for home financing needs. Shocked at the massive commissions and price gouging that was rampant in the industry, we knew a lower cost and fair alternative was essential. Since our inception,
  • Premier Home Loans
  • 8600 Park Meadows Dr, Suite 300A, Lone Tree, CO, 80124
  • Premier Home Loans are a buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • SCL Mortgage
  • 10375 Park Meadows Drive, Suite 120, Lone Tree, CO, 80124
  • SCL Mortgage has loan programs available for most everyone. We specialize in assisting people with unusual financing needs as well as those with great credit. We are truly a one-stop-shop for your all your residential mortgage and also We take great pride in our team and have the unique expertise and caring attitude to help you get your loan .
  • Columbine Federal Credit Union
  • 4902 E Dry Creek Rd, Centennial, CO, 80122
  • Columbine Federal Credit Union, we want to give you the service & products you will appreciate. All credit unions are member-owned, not-for-profit financial cooperatives. Our not-for-profit status allows us to offer better savings rates, lower loan rates & lower fees. Once you become a member of Columbine, you are also an owner of the credit union.
  • Arapahoe Credit Union
  • 3999 E. Arapahoe Rd, Centennial, CO, 80122
  • Arapahoe Credit Union is the Colorado alternative to typical banking. We are not-for-profit, without sales quotas, and put our staff and members first. This allows us to offer a work culture that is worlds away from large banks. We are family-first, inclusive, and prize the personal priorities of our staff.
  • Silver Leaf Mortgage Inc
  • 6972 South Vine Street, Suite 366, Centennial, CO, 80122
  • Silver Leaf Mortgage, we want to serve you well. It is our passion to handle your loan like you are family. We will go above and beyond to complete every aspect of the loan process as quickly and easily as possible. We are your local reverse mortgage experts. Reverse Mortgage Insight ranked us in the TOP 50 Reverse Mortgage originators.
  • Colorado One Mortgage
  • 7950 Lincoln Street, Suite 115, Littleton, CO, 80122
  • Since founding Colorado One Mortgage in 2001, my team and I have been providing concierge level service to homeowners all across Colorado's front range. I treat your loan as if it were my own, and leverage 20 years of experience and technical understanding of markets to get you the lowest rate and fees.When you're ready to stop overpaying the bank.