USDA Vs. FHA your options comparison in Wallington, Bergen County, NJ

In 2025, the USDA loan limit for Wallington in Bergen county, NJ, is $0, whereas the FHA limit for a single-family residence is $1,089,300.

Utilize the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA rates. By determining the necessary income, credit, reserves, and documentation, you can establish qualification requirements. Through our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA options side by side to identify which program in best fits your financial needs.

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

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

USDA and FHA Loan Options in Wallington, NJ

At Lendersa®, our aim is to quickly secure the optimal USDA or FHA loan for you without hassle. Choose one of three starting points that connect you to suitable lenders and USDA loan programs.

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Understanding the USDA Loan in NJ

A USDA home loan is government-backed by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, and is limited to rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages demand no down payment.

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



  • GoVa Loans
  • 4515 Falls of Neuse Rd, Suite 300, Raleigh, NC, 27609
  • At GoVA Loans, our mission is to clear the path to homeownership for military members across the country by focusing on financial literacy and providing various tools to help build wealth in real estate. We combine today’s technology with the personal guidance needed during the mortgage process.
  • Loans for fire and rescue
  • 3600 Wake Forest Rd, Raleigh, NC, 27609
  • Civic is a digital-first credit union. We don’t just make banking more equitable. We transform the lives of our members. We work to move the needle for how people think about their money, their progress, and their community. credit union. We don’t just make banking more equitable. We transform the lives of our members.
  • The David M. Damare
  • 4098 Barrett Dr., Raleigh, NC, 27609
  • "David M. Damaré is a mortgage-lending expert with over 16 years of experience. He grew up in New Orleans, LA and graduated from the University of North Carolina at Chapel Hill in 1986. David went on to attend pilot training as a military officer with the United States Air Force. While flying for the North Carolina Air National Guard,"
  • Coastal Credit Union
  • 1000 St Albans Dr, Raleigh, NC, 27609
  • Coastal Credit Union has been serving its members since 1967. Being a not-for-profit financial institution, we are committed to providing outstanding customer service with 7AM to 7PM teller hours, products at competitive rates, and best in class mobile banking. Today, with assets totaling $3.4 billion, Coastal serves more than 270, 000 members.
  • Positive Rate Mortgage LLC
  • 1631 Midtown Place, Suite 129, Raleigh, NC, 27609
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide extremely competitive VA, Conventional, Jumbo and NON QM home loans to our clients. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. We are a veteran owned, full-service mortgage brokerage company.
  • First Citizens Bank
  • 4300 Six Forks Road, Raleigh, NC, 27609
  • First Citizens began as the Bank of Smithfield in Johnston County, N.C. From a single office, First Citizens has grown to more than 550 branches in 19 states. First Citizens today is a full-service banking institution with more than 6, 500 employees. Our parent company, First Citizens BancShares, Inc.
  • Integrated Funding
  • 4098 Barrett Dr., Raleigh, NC, 27609
  • Integrated Funding, located near the North Hills shopping center in Raleigh, NC, is not your average mortgage company. We serve clients in Raleigh, Cary, Apex, as well as Charlotte, Wilmington and throughout North Carolina, and we offer custom-fitted mortgage and refinancing options to suit our clients’ individual needs.
  • Residential Mortgage Advisors, LLC
  • 5711 Six Forks Rd, Suite 308, Raleigh, NC, 27609
  • At Residential Mortgage Advisors, LLC. We are privileged to be a leader in providing home loans for borrowers in the triangle area and throughout North Carolina. Combining cutting edge technology, experienced loan officers and business partners, and the "best interest rates" in the market. We hope to be your lender of choice.