USDA Vs. FHA your options comparison in West-Caldwell, Essex County, NJ
In the year 2025, the USDA loan limit in West-Caldwell, within the county of Essex, NJ, is defined at $0, whereas the FHA loan limit for a single-family residence is set at $822,375.
To explore and compare the optimal rates of USDA vs. FHA today, utilize the Lendersa® USDA loan calculator. This helpful tool evaluates the necessary income, credit, reserves, and documents required for qualification. Our state-of-the-art mortgage calculator lays out USDA, FHA, Conforming, and VA options side by side, aiding in your decision of which program in suits your specific financial needs.
Loan ceilings and down payment requirements in West-Caldwell, within Essex, NJ for 2025
Type of Loan
Maximum Loan Limit
Down Payment
USDA
$0
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA loan options in West-Caldwell, NJ
The aim of Lendersa® is to promptly provide you with the finest USDA or FHA loan, minimizing hassle. Choose from one of three beginning points that align with lenders and USDA loan programs to meet your needs.
A USDA home loan, which is endorsed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. These are exclusive to rural locations. Unlike FHA loans, which need at least a 3.5% down payment, USDA loans require zero down payment.
USDA loans serve as a valuable financial resource for individuals residing in rural areas. Designed without the burden of an upfront down payment, they provide an enticing alternative to other loan types, making homeownership more accessible.
Morton Mortgage, Inc. is a Texas Mortgage Company. Renee Morton and her team bring the expertise of over 40 years to the closing table. They take great pride in offering competitive rates, exemplary customer service and great attention to detail to insure your home lending experience is the finest.
PIONEER COMMUNITY FEDERAL CREDIT UNION is a not-for-profit financial cooperative owned by its members.
Credit Unions were founded on the idea that through a cooperative financial effort individuals sharing common bonds could benefit. Credit Unions promote thrift, and income is passed along to it’s members
Our credit union was originally chartered in December 1933 as the Houston Railway Postal Clerks Credit Union. Following the tradition of “one member, one vote” our credit union has undergone frequent name changes reflecting our continual growth in our scope of membership As USECU, or United States Employees’ Credit Union, our credit union.
We specialize in Purchase mortgages, refinances and Reverse Mortgage. We are also very familiar with the uniqueness of coastal properties and Jim Davis, Owner of Cash Mortgage Services, has over 30+ years experience in the Mortgage Industry and also We offer great rates and lightning fast service Conventional Loans Home Equity Loan and more.
IBEW Local 66 Federal Credit Union has been open since 1971. The credit union has assets totaling $10.02 Million and provides banking services to more than 1, 000 members. The credit union is religious, or fraternal, or low-income associational credit union. Membership is also open to immediate family of current members.
OMOM FCU opened its doors in 1965 with 10 members and $5.00 each. Today the credit union has over 750 members with $2.1 million dollars in assets. The credit union is governed by the National Credit Union Administration and presently has a nine-member board with a credit committee, supervisory committee and a marketing committee.
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. We’ve been helping customers afford the home of their dreams for many years and we love what we do.
Since 1945, Houston Metropolitan Federal Credit Union has provided the finest in financial services to the present, former, and retired employees of our sponsor companies. Once you join the Credit Union your immediate family is eligible to join the Credit Union. Our policy is “Once a Member Always a Member” even if you change jobs
Loan Ranger Capital is one of the few locally owned and operated direct hard money lenders in Texas and know the local real estate markets intimately.
Houston Home Flips is here to meet all of your private lending needs. From fix and flips to ground up construction, we have loan for you. As a leader in Texas hard money loans, we’re confident in
