USDA and FHA Pro and Con in Wayne, Passaic County, NJ

As of 2026, the USDA loan threshold in Wayne, situated in Passaic, NJ, is set at $776,600. In contrast, the FHA limit for a single-family home stands at $1,089,300.

Leverage the Lendersa® USDA loan calculator to contrast the current USDA and FHA rates, and ascertain the income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage tool lets you compare USDA, FHA, Conforming, and VA loans side by side, enabling you to choose the most suitable program for your financial needs within .

Compare offers from a diverse range of 100 lenders

2026 loan limits and downpayment prerequisites in Wayne, Passaic, NJ

Loan Type Loan Limit Down payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA loan alternatives in Wayne, NJ

Lendersa® aims to swiftly connect you with the optimal USDA or FHA loan without any inconvenience. Begin with any of the three options available to match with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loan in NJ

The USDA home loan, backed by the government under the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is designated for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.

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



  • Larry The Lender
  • 13420 Lyndhurst St, Apt 301, Austin, TX, 78729
  • Larry Feingersh is a native Houstonian. One of Larry’s first jobs in the 70’s was working for the City of Bellaire picking up garbage. Larry has bought, sold, and managed residential real-estate properties since 1985. In 1995-96 Larry bought and flipped over 30 houses. Besides having built and managed his own commercial buildings since 1992.

  • AAXY Mortgage
  • 13284 Pond Springs Rd, Suite 405, Austin, TX, 78729
  • AAXY LLC has 2 dba’s as AAXY Mortgage and Austin First Mortgage. It is a Texas licensed mortgage company whose mainly business is lending residential mortgage loans. It has a wide range of residential loan products including conventional loans, FHA, VA USDA and some NON-QM loan products.

  • Stallion Funding, LLC
  • 10119 Lake Creek Pkwy Suite 202, Austin, TX, 78729
  • Stallion Funding is a private real estate finance company that specializes in providing real estate loans from $100,000 to $5 million.

    Our capital is secured from the Stallion Texas Real Estate Fund, as well as a network of private lenders, enabling us to make quick decisions to fund real estate projects. The Stallion team understands real estat

  • Greater Texas Credit Union
  • 6411 North Lamar Boulevard, Austin, TX, 78758
  • Greater Texas Credit Union is proud to have been voted a "Top Workplace"​ every year since 2012. With over 200 employees spread out throughout Texas, our goal is to be a force for good in the communities we serve. To accomplish that goal, we value our employees and invest in them so they can meet the needs of our members.

  • Government Employee Federal Credit Union
  • 10806 Metric Boulevard, Austin, TX, 78758
  • GEFCU was formed in 1931 as a financial cooperative to provide a way for its members to save money and obtain loans. We are the oldest credit union in Austin serving not only Travis County but also all of the counties that border Travis County. Over the years, our credit union has expanded beyond its roots of serving postal and federal employees.

  • Capitol Credit Union
  • 11920 Alterra Parkway, Suite 136, Austin, TX, 78758
  • Capitol Credit Union (CCU) has been a beacon for members as together we navigated the swings in the economic cycles. Today, our credit union stands even better prepared to serve you in the pursuit of your dreams. For some members, Capitol Credit Union is a source of friendly prompt service from people who know you as a person.

  • United Heritage Credit Union
  • 12208 N Mopac Expy, Austin, TX, 78758
  • Headquartered in Austin, Texas, United Heritage CU serves the greater Austin and Tyler areas through twelve branch locations including Manchaca, Slaughter, Georgetown, Lakeway, Kyle and Tyler. Membership is open to anyone that lives, works or attends school within Travis, Williamson, Bastrop, Caldwell, Hays, Smith and Wood county.

  • Amplify Credit Union
  • 2800 Esperanza Crossing, Building 2, Austin, TX, 78758
  • Amplify Credit Union combines digital-first financial services with the emphasis on community you expect from your neighborhood credit union 1967 is a member-owned financial cooperative with more than 60, 000 members and almost $1 billion in assets. Our team lives and works in the communities we serve, making us the foremost experts.

  • 360 LENDING GROUP, LLC
  • 3100 Esperanza Crossing, Suite 6254, Austin, TX, 78758
  • 360 LENDING GROUP LLC IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE

  • Vsio Lending
  • 1905 Kramer Lane, Ste. B700, Austin, TX, 78758
  • Visio Financial Services Inc offers unique mortgage loans designed to meet the needs of investors purchasing single-family residences. Since our founding in 2011, we have originated more than 4,500 loans to investors nationwide, assisting investors in the redevelopment of houses into quality, affordable homes.

  • Randy Walsh Mortgage Connextions LP
  • 3000 Polar Lane, Suite 502, Cedar Park, TX, 78613
  • Randy Walsh lives in Round Rock and serves Texas with mortgage programs tailored to fit the needs of first-time home buyers, & homeowners who need to refinance a mortgage. Randy can educate you about all the loan products offered including conventional loans, FHA home loans, VA home loans, home improvement or renovation loans and USDA home loans.

  • Karen Schimpf - Commercial Capital, Ltd
  • 2800 E Whitestone Blvd, Suite 120, Cedar Park, TX, 78613
  • Approved Commercial Correspondent Loan Broker and Lender specializing in SBA loans, SBA 7a Loans, SBA 504 Loans, restaurant, foreign national, apartment, and commercial hard money loans. Whether you're launching, acquiring, refinancing, or expanding a business or property, rely on Karen and her team to design personalized commercial loan solution