Explore the differences! FHA VS Conventional loan programs in Adams, Berkshire County, Massachusetts

In 2026, the limit for a Conventional loan in the city of Adams, county of Berkshire, MA, is set at $726,200, while the limit for an FHA loan on a single-family home is $472,030.

With the Lendersa® Conventional loan calculator, you can evaluate today's best rates for Conventional, FHA, and USDA loans, assessing income, credit, reserves, and required documents. Our advanced mortgage calculator presents Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding in your decision on which program in MA is most suitable for your unique financial scenario.

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2026 Loan Limits and Down Payment Criteria in Adams, Berkshire, MA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table is valid for these zip codes: 1220

Options for Conventional and FHA Loans in Adams, MA

Lendersa® is designed to help you promptly secure the best possible Conventional, USDA, or FHA loan, with ease. Choose from three starting points, each leading you to matching lenders and tailored loan programs.

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  • MassMutual Federal Credit Union
  • 1295 State Street, Springfield, MA, 01111
  • MMFCU is a financial cooperative founded in 1962. Our membership is open to all employees of MassMutual, financial professionals, and their family members. We provide valued products and services to improve members' financial well-being and also MassMutual. We have over 300 years of collective financial and credit union experience among our employe

  • Saratoga's Community Federal Credit Union
  • 444 Geyser Road, Ballston Spa, NY, 12020
  • Saratoga’s Community Federal Credit Union is a full service; not-for-profit, community focused financial institution. We exist solely to serve our members and our communities by helping them make financial decisions that best meet their individual needs. Our business plan is structured to provide exceptional personal service.

  • STEWART'S FEDERAL CREDIT UNION
  • 2911 State Route 9, Ballston Spa, NY, 12020
  • Stewart’s Federal Credit Union is the result of the efforts of a handful of Stewart’s employees. With the support of our sponsor we have grown to a Credit Union that provides a full range of savings and loan plans to help our employees and their families achieve their financial goals

  • CAPITAL NEW YORK HOME ADVANTAGE LLC
  • 100 Saratoga Village Blvd, Ballston Spa, NY, 12020
  • Capital New York Home Advantage opened it's doors in May of 2012 in Malta, NY. Mortgage Financing: Conventional FHA VA USDA Portfolio Reverse Mortgages Purchase, refinance, debt consolidation and home improvement Single family, multi-family, condos, co-ops, townhouses, modular and mobile homes Primary residence,second/vacation homes.

  • Northwest Community Bank
  • 86 Main Street, Winsted, CT, 06098
  • In 1996, the two banks merged into Northwest Community Bank. Headquartered in Winsted, today we have branches in Avon, Granby, New Hartford and Torrington—as well as our nationally recognized academic branch in Northwestern Regional School No. 7 High School. While still deeply committed to our local area,

  • USA Mortgage Network, Inc.
  • 1333 Boston Road, Springfield, MA, 01119
  • We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.Pre-qualification starts the loan process.Anabela (Bela) is the President/Owner of USA Mortgage Network Inc.

  • Savings Bank of Walpole
  • 68 Ames Plaza Ln, Walpole, NH, 03608
  • Savings Bank of Walpole is a state chartered mutual savings bank insured by the Federal Deposit Insurance Corporation (FDIC).

    We are a financial institution like no other in our market, a financial institution without a shareholder, a mutual bank. Here today, and prepared for tomorrow. Providing the best in banking values — we are your advocat

  • First National Bank of Scotia
  • 201 Mohawk Avenue, Scotia, NY, 12302
  • At 1st National Bank of Scotia, we rely on our decades of experience both inside and outside the banking industry to help provide our loyal customers with the products and services to fit their needs. Our Board of Directors truly care about providing for our customers and our communities today, tomorrow, and well into the future.

  • Athol Savings Bank
  • 388 Main Street, Athol, MA, 01331
  • Athol Savings Bank is a mutual savings bank based in Athol, Massachusetts. Our goal is to be the financial foundation in our community; working harder, reaching higher and delivering strength, stability and security to our customers. As we move forward, Athol Savings Bank is committed to being “A Solutions Bank” for our customers.

  • Athol Credit Union
  • 513 Main St, Athol, MA, 01331
  • We were founded in 1930 as a member-owned, not-for-profit credit union with the goal of providing the highest quality banking products at the best possible prices, delivered with professional, one-on-one personal service. In 2015, we were designated as a Community Development Financial Institution by the U.S.

  • Country Bank For Savings
  • 75 Main Street, Ware, MA, 01082
  • We are a state-chartered 1.7 billion-dollar mutual savings bank with offices in central and western mass. We've gone above and beyond for our customers since 1850. We value respect, courtesy, and excellence in service above all. As a mutual bank, we answer our customers first, not to investors.

  • Precision Federal Credit Union
  • 7 Optical Avenue, Keene, NH, 03431
  • FCU was established as a select employee group (SEG) credit union in 1953 to provide financial services to MPB (now known as Timken) employees and their family members.

    As a not-for-profit institution, all profits earned from operations are returned to members in the form of lower fees, better rates, and more services and dividends.