USDA Vs. FHA Pro and Con comparison in Wood-Ridge, Bergen County, NJ
In 2025, the USDA loan threshold for Wood-Ridge in the county of Bergen, NJ, is $0. In comparison, the FHA limit for a single-family home is $1,089,300.
Utilizing the Lendersa® USDA loan calculator allows you to compare today's top USDA and FHA rates and determine the necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the program in Alabama that best suits your financial circumstances.
2025 Loan Limits and Down Payment Conditions in Wood-Ridge, Bergen, NJ
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Choices in Wood-Ridge, NJ
At Lendersa®, our objective is to provide you with the best USDA or FHA loan efficiently and without hassle. Select from one of three starting points to connect with matching lenders offering USDA loan programs.
A USDA home loan is a government-backed financial option through the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It's exclusively available for rural regions, notable for requiring no down payment, unlike FHA loans which mandate a minimum down payment of 3.5%.
Gateway was founded in 2000 by J. Kevin Stitt, who didn’t have much more to start with than $1,000, a computer, and lofty dreams about what a mortgage company could be. Kevin began his career in the mortgage industry, and his vision to help families and communities grow stronger through home ownership.
The Farmers State Bank, the second bank established in Quinton, opened for business on April 7, 1908. A small wood frame building provided temporary facilities for the bank at that time.
In 1929, stockholders purchased The First National Bank of Quinton and Kinta State Bank, consolidating assets under the state charter of Farmers State Bank.
Exchange Bank, we have a very strong commitment to our community. We offer unsecured, secured, vehicle and other personal loans, and work with you to create terms that best meet your needs and at very competitive rates. We are locally owned and locally staffed – decisions about your loan request will be made right here, in a timely manner.
City Bank was established in Natchitoches in 1933 and has been an integral part of this historic community for over 85 years. The City Bank family constantly strives for excellence and we pride ourselves on the personal services we offer to all of our customers. As a City Bank customer, you will benefit from a full range of services.
The credit union was chartered on March 6, 1975 by a small group of employees of Western Kraft Paper Mill in Campti, LA. They became members of the new WKE Red River Federal Credit Union. In 2002, the name was changed to what it is still called today, Engage Federal Credit Union.
Citizens Bank & Trust Co. of Vivian, Louisiana, Inc., was granted a state charter by the Louisiana Office of Financial Institutions on June 12, 1967. The first office, located at 140 W. Louisiana Avenue opened for business on September 14, 1967. The formal grand opening for the bank’s present site at 120 W. Arkansas Avenue
Security State Bank was established in 1932 in rural South Dakota and has been building strong client relationships ever since. We first opened our doors in Tyndall, SD, and have since expanded to Chancellor, Viborg, and across the border to Jackson and Heron Lake, MN. As a local Midwest business.
Morgan City Bank was established in 1954, and the doors first opened for business on January 20, 1955. The original office was located in Morgan City on Front Street. By that we mean whenever you walk into an M C Bank branch, you can expect to receive the attention and respect you deserve and the helpful, customized advice you seek.
