For the year 2026, the USDA loan limit in the city of West-Milford located in the county of Passaic, NJ, is $657,900. In comparison, the FHA loan limit is $822,375 for single-family homes.
Utilize Lendersa®’s USDA loan calculator to evaluate today’s top USDA versus FHA rates. It helps you ascertain the necessary income, credit status, reserves, and documentation needed for qualification. By using our sophisticated mortgage calculator, you can display USDA, FHA, Conforming, and VA options side by side, enabling you to choose the most fitting program in tailored to your financial circumstances.
Loan limits and down payment criteria for 2026 in the city of West-Milford, county of Passaic, NJ
Loan Option
Maximum Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Mortgage Alternatives in West-Milford, NJ
Lendersa®’s aim is to facilitate you in swiftly obtaining a top-tier USDA or FHA mortgage with minimal hassle. Choose from one of three initial steps that lead to lender matching and USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is exclusively available in rural regions. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA home loans require no down payment at all.
The Family Home Funding team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one-on-one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
Lakeland Bank is the wholly-owned subsidiary of Lakeland Bancorp, Inc., with over $8 billion in total assets. With an extensive branch network and commercial lending centers throughout New Jersey and Highland Mills, NY, the Bank continues to build on its infrastructure of financial strength, profitability, efficiency and quality service.
795 Franklin Ave, Bldg C, Suite 202, Franklin Lakes, NJ, 07417
Lends in New Jersey
At Taylor Financial Group (TFG), we have always focused on the needs of high net worth clients, assisting with portfolio management, financial planning, retirement income, and taxes. Our goal at TFG is to decrease our clients’ taxes as much as possible in retirement in order to build wealth during their lifetime (and for generations to come).
Dynamic Financial Consultants Inc is a leading Mortgage Broker, agency, connecting borrowers to lenders. Our professional mortgage loan officers team takes on all the duties of maintaining your smooth mortgage process, allowing you to enjoy the process without having to deal with any of the hassles.
1 International Blvd, Suite 1202, Mahwah, NJ, 07495
Lends in New Jersey
Nationwide Equities is a family-owned, veteran mortgage lender that has been serving communities nationwide for over 20 years. We have established a proven track record as being the best service-oriented direct lender with a full menu of purchase, refinance, and reverse mortgage programs.
1 International Blvd, Suite 900, Mahwah, NJ, 07495
Lends in New Jersey
Longbridge Financial. LLC helps qualifying homeowners take some of the financial stress out of retirement by gaining immediate access to the home equity they have built up over the years. We do this through a Reverse Mortgage – more accurately now called a Home Equity Conversion Mortgage (HECM).
500 N. Franklin Turnpike, Suite 303A, Ramsey, NJ, 07446
Lends in New Jersey
Opulence Realtors are here for you every step of the way, from beginning of the search to the closing and even after your real estate transaction is completed.Our agents come from diverse backgrounds and are all dedicated to providing the highest quality service to our clients.and We currently cover all areas of New York and New Jersey
Founded as a one-branch credit union serving Picatinny Arsenal in 1939, we have continued to grow and evolve in tandem with the community we serve. In 2005, Picatinny was approved for a Community Charter, with membership now open to anyone who lives, works, worships or goes to school in Morris County, as well as their immediate families.
