USDA and FHA Pro and Con in Westwood, Bergen County, NJ

During 2025, the USDA loan limit for a single-family home in Westwood, within Bergen, NJ is set at $0, whereas the FHA limit stands at $1,089,300.

Leverage the Lendersa® USDA loan calculator to compare top USDA against FHA rates today and ascertain the income, credit requirements, reserves, and documentation needed for qualification. Our advanced mortgage calculator enables you to evaluate USDA, FHA, Conforming, and VA loans side by side, guiding you toward the program in Alabama best suited to your specific financial needs.

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2025 Loan Limits and Downpayment Requirements in Westwood, Bergen, NJ

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

Exploring USDA and FHA Loan Options in Westwood, NJ

The goal of Lendersa® is to efficiently connect you with the most favorable USDA or FHA loans without hassle. Choose one of three starting options to find matching lenders and appropriate USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NJ

The USDA home loan, assured by the Department of Agriculture, is also known as the USDA rural development loan or simply USDA mortgage. Available exclusively in rural regions, it requires no down payment, unlike FHA loans which mandate a minimum of 3.5% down payment.

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



  • Sidney Federal Savings & Loan
  • 1045 10th Avenue, Sidney, NE, 69162
  • Our excellent loan origination department and servicing staff are just two of the reasons we are one of the leading mortgage lenders in Western Nebraska. Mortgage loans are our expertise, but we also specialize in auto loans, home equity loans, home improvement loans and consumer loans.
  • First Bank and Trust of Memphis
  • 501 Main Street, Memphis, TX, 79245
  • First Bank & Trust of Memphis of Memphis, TX provides banking services. The Bank offers checking accounts, credit & debit cards, loans, insurance, payment protection, phone banking, bill pay, and merchant services. We started as a community bank, and even though we’ve grown, we haven’t really changed.
  • Curran Mortgage Inc.
  • 1303 West Industrial Boulevard, Round Rock, TX, 78681
  • As an experienced and skilled mortgage lending team, Curran Mortgage understands each transaction is different, as is every client’s home and individual needs. To offer the highest level of service from our clients' perspective — we seek to understand their immediate and long term financial goals.
  • Celink
  • 101 W Louis Henna Blvd, Suite 310, Austin, TX, 78728
  • Celink is the nation’s largest independent subservicer of reverse mortgages, licensed to service reverse mortgages in all 50 states, plus the District of Columbia, Puerto Rico and the U.S. Virgin Islands. We are well-positioned, both financially and strategically, to support client growth strategies for decades to come.
  • American Bank of Commerce Wolfforth
  • 10920 Lakeline Mall Drive, Suite 200, Austin, TX, 78717
  • The American Bank of Commerce first opened for business as Wolfforth State Bank on September 11, 1962 with James S. Moore as chairman of the board. In January 1963, Wolfforth State Bank moved from temporary facilities to its first home in downtown Wolfforth, Texas. Wolfforth State Bank changed its name to American Bank of Commerce
  • Tiffany's Hard Money Real Estate Loans LLC
  • 9900 Spectrum Dr, Austin, TX, 78717
  • Tiffany is an experienced lending executive officer with a demonstrated history of working in the financial services industry since 1993. Skilled in Public Speaking, Hard Money Lending, Conventional, FHA, & VA Lending, Nonprofit Organizations, Marketing Management, Negotiation, Business Planning, Networking, and Coaching.
  • Infinity Mortgage Holdings, LLC
  • 10920 Lakeline Mall Drive, Suite 200, Austin, TX, 78717
  • Infinity Mortgage Holding LLC is Founded in Austin Texas in 2016, Infinity Mortgage is built on a platform of service: to our clients, and to our team. Our strength lies in our communication, our relationships, and our execution and also Infinity Mortgage Holdings, LLC is committed to providing clients with the highest quality home loans.
  • Peoples State Bank of Hallettsville
  • 116 East Third Street, Hallettsville, TX, 77964
  • Peoples State Bank was chartered on January 18, 1929, by the Texas Banking Commission. Peoples State Bank has seen tremendous growth throughout the years and strives to maintain that growth. They want to remain a real community bank. Peoples State Bank offers a wide variety of deposit products and lending products to make your life easier.