Government-Backed · Rural Areas
USDA Loans in New Jersey
A USDA loan offers 100% financing — zero down — for moderate-income buyers purchasing in eligible rural areas. In our footprint that's a narrow but real opportunity along the western edges of Passaic and Morris counties.
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See what zero down looks like
No obligation — get your estimated price range and monthly payment, powered by our lending partner, Bond Street Mortgage.
USDA loans at a glance
Zero down — in the right ZIP code
USDA guarantee fees (an upfront fee plus a smaller annual fee) apply. Income limits, fees, and area eligibility are set by USDA and change periodically — confirm with Bond Street.
Does USDA work where I'm buying?
Most of northern New Jersey is too densely populated to qualify. The eligible pockets sit along the rural western edges — generally parts of West Milford, Ringwood, and the western reaches of Morris County such as Jefferson Township. Eligibility is set address-by-address, so always confirm a specific property on the USDA eligibility map before counting on it.
Why buyers choose it
Strong terms where it fits
Truly zero down
USDA is one of only two loan types (alongside VA) that finance the full purchase price with no down payment.
Lower fees than FHA
The USDA annual guarantee fee is typically smaller than FHA's annual mortgage insurance, keeping monthly costs down.
Open to repeat buyers
You don't have to be a first-time buyer — eligibility is based on income and the property's location.
Competitive fixed rates
USDA guaranteed loans are 30-year fixed-rate mortgages with competitive pricing for eligible borrowers.
4 Properties Available
- 1/50 50
4 Beds 4 Baths$729,998Price Dropped by $10K2 Bluffs CT, Hamburg, NJ 07419
MLS# 26013718
Listed by Kelly Robinson of Signature Realty NJ LLC
Single Family Home
- 1/50 50
4 Beds 3 Baths 3,821 SqFt$729,998Price Dropped by $10K - 1/23 23
0.92 Acres Lot$659,000Active - 1/50 50
18.7 Acres Lot$2,500,000Active
Eligibility
What it takes to qualify
- The property must be located in a USDA-designated rural area (confirmed address-by-address on the USDA map)
- Household income at or below 115% of the area median income for the county
- The home must be your primary residence
- No down payment required, though USDA guarantee fees apply
- Open to first-time and repeat buyers alike; credit and underwriting set by the lender
Common questions
USDA loan FAQs
Where in northern NJ is USDA eligible?
Eligibility is limited to USDA-designated rural areas, which in this region means parts of the western edges — generally areas like West Milford, Ringwood, and western Morris County such as Jefferson Township. Because it's set address-by-address, always verify a specific property on the USDA eligibility map.
Is there really no down payment?
Correct — eligible USDA loans finance 100% of the purchase price. There are USDA guarantee fees (an upfront fee plus a smaller annual fee), but no down payment is required.
What are the income limits?
Household income generally must be at or below 115% of the area median income for the county, with adjustments for household size. Start your pre-approval to check your numbers.
Do I have to be a first-time buyer?
No. USDA is open to repeat buyers — eligibility is based on income and the property's location, not first-time status.
Our trusted lending partner
Bond Street Mortgage
We work hand-in-hand with Bond Street Mortgage, serving Bergen, Passaic, Morris, Hudson, and Essex counties. Their team coordinates with us from pre-approval through closing.
Talk to the team
See if a USDA loan fits your search
Reach out and we'll connect you with the right loan path and a pre-approval that holds weight in a competitive market.
RE/MAX Select — Chopper Russo Team. Thomas "Chopper" Russo, 392 Ramapo Valley Rd, Oakland, NJ 07436. Not a commitment to lend. USDA loan products, fees, income limits, area eligibility, and approval are provided by Bond Street Mortgage and the U.S. Department of Agriculture subject to their terms and qualification.