For the year 2026, the USDA loan threshold in Union-City, located within Hudson county in NJ, is established at $0. Meanwhile, the cap for FHA loans in the same area is $822,375 for a single-family property.
Utilize the Lendersa® USDA loan calculator to effectively compare the leading USDA and FHA rates available today. Determine the necessary income, credit requirement, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options to aid you in selecting the most suitable program in for your individual financial scenario.
Loan Limits and Down Payment Specifications for 2026 in Union-City, Hudson, NJ
Type of Loan
Loan Maximum
Down Payment
USDA
$0
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Diverse USDA and FHA Loan Options in Union-City, NJ
At Lendersa®, we aim to quickly and effortlessly secure the best USDA or FHA loans for you. Choose one of our three entry points to connect with suitable lenders and USDA loan offerings.
The USDA home loan, offered by the government through the Department of Agriculture, is also known as the USDA Rural Development Loan or USDA mortgage, and it caters solely to rural environments. Different from FHA loans that mandate a down payment of at least 3.5%, the USDA mortgage does not require any down payment.
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.
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