Bergen County FHA LoansBuy in Any of Bergen County's 70 Towns with Just 3.5% Down
Government-backed FHA loans make Bergen County homeownership accessible with just 3.5% down payment and flexible credit requirements.
Why Choose FHA for Your Bergen County Home?
Low 3.5% Down Payment
Enter Bergen County's market with minimal upfront investment.
On a $725K median home, that's only $25,375 down versus $145,000 for conventional 20% down.
Flexible Credit Requirements
Credit scores as low as 580 qualify for 3.5% down programs.
Perfect for buyers recovering from financial setbacks or building credit history.
Gift Funds Allowed
Your entire down payment can come from family gifts.
Many Bergen County buyers use gift funds from parents or relatives for their down payment.
High Bergen County Limits
FHA loans up to $1,149,825 cover most Bergen County homes.
Higher than the national limit, reflecting Bergen County's high-cost housing market.
Bergen County FHA Requirements
- Minimum 580 credit score for 3.5% down (500-579 requires 10% down)
- Maximum 43% debt-to-income ratio (can go higher with compensating factors)
- Property must meet FHA safety and habitability standards
- Primary residence only (no investment properties)
- Mortgage insurance required (1.75% upfront + 0.55% annual)
- Two-year employment history preferred
FHA Loans Available in All 70 Bergen County Towns
Serving 955,732 residents across Bergen County. Click any town for local market data and FHA loan options.
Don't see your town listed? View all Bergen County towns
Your Path to FHA Approval in Bergen County
Pre-Approval
Same dayGet pre-approved for FHA financing to determine your Bergen County budget.
Find Your Town
1-30 daysShop for FHA-eligible properties across Bergen County's 70 municipalities.
FHA Appraisal
Day 5-10FHA-certified appraiser evaluates property for value and condition compliance.
Underwriting
Day 10-20FHA underwriter reviews file for final approval and conditions.
Closing
Day 30Sign documents and receive keys to your Bergen County home!
Frequently Asked Questions
What is the FHA loan limit in Bergen County?
$1,149,825 for single-family homes. This high-cost area limit covers approximately 85% of Bergen County listings.
Can I use FHA to buy a condo in Bergen County?
Yes, but the condo complex must be FHA-approved. Many Bergen County condos in Paramus, Fort Lee, Edgewater, and other towns have FHA approval.
How much are FHA closing costs in Bergen County?
Typically 2-5% of the loan amount ($14,500-$36,200 on a $725K loan). Seller can contribute up to 6% toward your closing costs.
Bergen County Market Overview
Start Your FHA Loans Journey in Bergen County Today
Get pre-approved and start shopping in any of Bergen County's 70 towns with confidence
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