USDA Vs. FHA Pro and Con comparison in Tenafly, Bergen County, NJ

For 2025, the USDA loan limit in Tenafly, county of Bergen, NJ, is fixed at $0. In comparison, the FHA loan limit for a single-family home is $1,089,300.

The Lendersa® USDA loan calculator allows you to assess the current USDA versus FHA top rates and figure out the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator facilitates side-by-side comparisons of USDA, FHA, Conforming, and VA loans, aiding you in choosing the best program for your particular financial situation in .

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2025 Loan Limits and Down Payment Requirements in Tenafly, Bergen, NJ

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

Exploring USDA and FHA Loan Options in Tenafly, NJ

The mission of Lendersa® is to procure the most favorable USDA or FHA loan for you promptly and effortlessly. Choose one of three starting points to connect with matched lenders and explore USDA loan programs.

  1. Submit a comprehensive USDA/FHA loan request
  2. Secure USDA and FHA rates & terms up front
  3. Access the largest USDA loan lenders database
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Understanding What USDA Loan Offers in NJ

The USDA home loan is a financing option guaranteed by the U.S. Department of Agriculture, commonly referred to as the USDA rural development loan or USDA mortgage, and is designed for rural locations exclusively. Unlike FHA loans that mandate a minimum 3.5% down payment, the USDA mortgage requires no down payment at all.

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  • We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.

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