USDA and FHA Pro and Con in Upper-Saddle-River, Bergen County, NJ

In 2025, the USDA loan limit for Upper-Saddle-River in Bergen county, NJ is $0, while the FHA limit for a single-family home is $822,375.

Utilize Lendersa® USDA loan calculator to effectively compare the leading USDA and FHA rates today. Assess the required income, credit, reserves, and documentation necessary to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Upper-Saddle-River, Bergen, NJ

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

Options for USDA and FHA Loans in Upper-Saddle-River, NJ

Lendersa® aims to provide you with the best possible USDA or FHA loan, quickly and without hassle. Choose one of three starting points to connect with matching lenders and the right USDA programs.

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Understanding USDA Loans in NJ

A USDA home loan is backed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.

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



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