USDA Vs. FHA your options comparison in Woodland-Park, Passaic County, NJ
As of 2026, for Woodland-Park located in Passaic county, NJ, the USDA loan limit is $657,900, whereas for a single-family home, the FHA limit is $822,375.
Make use of the Lendersa® USDA loan calculator to evaluate today's top USDA vs FHA rates, while assessing the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, aiding in finding the best fit for your financial requirements in .
2026 Loan Limits and Down Payment Requirements in Woodland-Park, Passaic, NJ
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conforming Conventional
$822,375
3%
USDA and FHA Loan Options in Woodland-Park, NJ
Lendersa® aims to swiftly secure the best USDA or FHA loan for you without hassle. Choose one of three starting pathways to connect with lenders and access USDA loan programs.
The USDA home loan, supported by the Department of Agriculture and often referred to as a USDA rural development loan or mortgage, is restricted to rural areas. In contrast to FHA loans requiring a 3.5% down payment, USDA loans need no down payment.
We are a leading New Jersey and New York Mortgage Company that is privately owned and licensed as a residential mortgage banker. Founded in 1991, the company currently originates first and second mortgage loans in NJ, NY, CT, PA, VA, MD, and FL. With 7 offices and over $20 billion in closed mortgage loans, we know how to get the job done.
In 1936, North Jersey Federal Credit Union was founded. Our vision is to provide service to all members beyond their expectations to create a “Wow Experience” for each of them. We will be convenient, efficient and effective in serving our members throughout the community. Our goal is to enable our members to have financial freedom.
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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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
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Since its inception in 1953 the Paterson Police Federal Credit Union has been serving members of the Paterson Police Department with exceptional financial products. Currently led by Danny Nichols, and staffed by John Russo and John Altonjy the Paterson Police FCU has grown its membership to over 1000 with more than $5, 000, 000 in assets.
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Nova UA Federal Credit Union was chartered in 1959 as Self Reliance (Passaic, NJ) Federal Credit Union. Since inception, we have maintained the same sponsor and subsequently became a community charter.
Founded on the principle of people helping people, our credit union provided
