USDA VS FHA in Waldwick, Bergen County, NJ

In 2025, the USDA loan limit for Waldwick, in the county of Bergen, NJ, is set at $0, while the FHA limit is $1,089,300 for single-family homes.

Utilize the Lendersa® USDA loan calculator to analyze today’s top USDA versus FHA rates. It aids in determining the necessary income, credit standing, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, facilitating the decision process regarding which program in aligns best with your specific financial circumstances.

Compare loan offers from 100 various lenders

2025 Loan Limits and Down Payment Requirements in Waldwick, Bergen county, NJ

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

Options for USDA and FHA Loans in Waldwick, NJ

The goal of Lendersa® is to promptly pair you with the best USDA or FHA loan available, minimizing hassle. You can choose one of three starting paths that lead to matching lenders and relevant USDA loan programs.

Lendersa USDA loan application results

Explaining USDA Loans in NJ

The USDA home loan is backed by the government Department of Agriculture, also called the USDA rural development loan or USDA mortgage, and is specifically offered in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages have no down payment requirements.

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



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  • Johnson City founder James Polk Johnson, this structure has housed a variety of businesses & served as a community gathering place. In addition to serving as a community hall, opera house & meeting place for churches & community groups, the structure was occupied by such commercial enterprises as banks, general stores, hotels, & business offices.
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