USDA Vs. FHA your options comparison 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.

Lendersa USDA loan request and matching results

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?



  • Foxpoint Lending
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  • We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.
  • Members 1st Credit union
  • 10 Browne Court, Brattleboro, VT, 05301
  • Members 1st Credit Union is a member-owned financial cooperative chartered in 1957. You are eligible to join our credit union if you live or work in the following counties: Windham, Windsor, Bennington and Rutland Counties in Vermont; Sullivan and Cheshire Counties in New Hampshire; Franklin county in Massachusetts
  • THE BRATTLEBORO SAVINGS AND LOAN ASSOCIATION
  • 221 Main Street, Brattleboro, VT, 05301
  • Since our beginning in 1912, Brattleboro Savings & Loan has become a staple of the Brattleboro area by creating and providing competitive financial services and solutions to help the surrounding communities flourish. We are an independent, full-service, community-focused financial institution focused on providing exceptional personal service
  • FIRST CHOICE MORTGAGE SERVICES, LLC
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  • First Choice Mortgage Services is a privately-owned, full-service mortgage broker offering Conventional, FHA, VA, Investor and Jumbo loans to finance the purchase of your first home, vacation home, condominium, or investment property. The key to our success has been a combination of consistently offering the lowest possible rates.
  • Hard Money Rhode Island
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  • Worcester Police Department Credit Union
  • 805 West Boylston Street, Worcester, MA, 01606
  • The Worcester Police Department Credit Union was incorporated on November 22, 1946 and officially opened for business on February 1, 1947. The first official incorporators' meeting was held on October 22nd, 1946. In attendance were Boleslaw Izbicki, Frank R. Stake, George P. Merril, Joseph Turner Jr., Iver C. Blomstrom and more
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  • Since opening our doors in 1949, The Bank of Glen Burnie® has been committed to meeting customers’ needs. In fact, it’s at the heart of everything we do! Although the banking industry continues to undergo rapid changes, we believe the best way to meet our commitment is by remaining an independent, community bank.
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