USDA Vs. FHA your options comparison in West-Orange, Essex County, NJ

In 2025, USDA loan limit in West-Orange, county of Essex, NJ is $0 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in West-Orange, county of Essex, NJ

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA loan options in West-Orange, NJ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New Jersey?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Augusta Health Care Credit Union
  • 78 Medical Center Drive, Fishersville, VA, 22939
  • Augusta Health Care Credit Union has been open since 1964. The credit union has assets totaling $14.23 Million and provides banking services to more than 1, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans
  • Sabattus Regional Credit Union
  • 2 Middle Road, Sabattus, ME, 04280
  • Proudly serving our community with personalized, friendly service since 1957! We offer a wide variety of financial services to meet your needs. Our mission is to provide products and services that meet the needs of our members. In the fall of 1957, a group of people were called upon to create a credit union for the local parish.
  • Erie Federal Credit Union
  • 3503 Peach Street, Erie, PA, 16508
  • Erie Federal Credit Union is not a bank, savings and loan, or brokerage house. We are a full-service, federally insured Credit Union serving members who live, work, worship or attend school in Erie or Crawford County, Pennsylvania. Since 1936, we have honored our mission to responsibly deliver a wide range of financial services to meet the needs
  • Tri State Rail Federal Credit Union
  • 110 West 13th Street, Erie, PA, 16501
  • Tri State Rail Federal Credit Union is a not-for-profit and member-owned financial institution that has been serving our members since 1949. We offer friendly and personal service, lower interest rates on loans, higher yields on savings and a wide variety of financial products and services.
  • Tendto Credit Union
  • 1129 State Street, Erie, PA, 16501
  • Tendto Credit Union is really the story of our members. Our “About Us” should be called “About You.” Because, as a cooperative, Tendto operates at the service of the people who bank with us. That’s why we call ourselves Tendto. Because we tend to see things differently. We tend to believe in the community we live in. And most importantly
  • Marquette Savings Bank
  • 920 Peach St, Erie, PA, 16501
  • Marquette Savings Bank is the only remaining locally headquartered bank in Erie & Crawford counties in northwest Pennsylvania. The stake we have in the communities we serve is over 100 years deep. Every dollar stays in our local communities to Mpower business to retain and create jobs, individuals ad families to prosper
  • Landmark Mortgage Group, Erie Branch- Mortgage Alie
  • 410 Cranberry St, Suite 130, Erie, PA, 16507
  • I'm Alie Bard and I'd like to thank you for your interest & take this opportunity to tell you a little about myself. I have been in the mortgage industry since early 2009, so you can trust that I have the knowledge & skills necessary to understand complex mortgage rules & regulations, providing you with the perfect loan for your personal needs.
  • Saint Vincent Federal Credit Union
  • 2314 Sassafras Street, Suite 100, Erie, PA, 16502
  • Saint Vincent Erie Federal Credit Union is a not-for-profit financial cooperative existing to serve its members. Credit Unions are less likely to charge service fees than banks. We do not issue stock or pay earnings dividends to outside stockholders like other financial institutions.
  • Shenango China Area Federal Credit Union
  • 2656 Ellwood Road, Suite 1, New Castle, PA, 16101
  • SCA Federal Credit Union, formerly known as Shenango China Area FCU, was established in 1935. We currently have 2450 members. We have one office located at 2656 Ellwood Road, Suite 1, New Castle, PA 16101. SCA Federal Credit Union has a dedicated Board of Directors consisting of volunteers elected by the members.
  • New Castle Bellco Federal Credit Union
  • 1011 Wilmington Avenue, New Castle, PA, 16101
  • New Castle Bellco Federal Credit Union is a federally charted, not-for-profit, full service financial institution that is member owned and controlled through a board of directors. The voluntary board is elected by the membership to establish credit union policies and is responsible for the safe and sound operation of the credit union.
  • GNC Community Federal Credit Union
  • 201 South Jefferson Street, New Castle, PA, 16101
  • GNC Community FCU is a strong financial institution with assets of over $ 70, 000, 000 and in many aspects has exceeded the financial norms of and to become a very strong organization. We rank high within our peers in many areas. GNC is a member of the Shenango Valley Chapter of Credit Unions which incorporates over 10 credit unions.
  • First Choice Federal Credit Union
  • 2209 West State Street, New Castle, PA, 16101
  • First Choice FCU was originally chartered in 1952. At the time we were known as the B&O New Castle Employees Federal Credit Union and were the primary credit union of the Baltimore – Ohio Railroad, the current CSX Corporation. We have also always offered full family membership. Any family member of an existing member is eligible to join.