FHA VS Conventional loan programs in 2026 for 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.
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.
Adams Community Bank is a responsive, community-focused, mutually owned savings bank providing premier banking services to the people and businesses of the Berkshires. Headquartered in Adams, MA, we have 8 full-service branch locations in Adams, North Adams, Williamstown, Cheshire, Lanesborough, Lenox, and Lee.
MountainOne is dedicated to the local communities we serve, with a mission of delivering solutions of real value that help individuals, businesses, and community institutions manage their financial lives with clarity & confidence. Founded in 1848, MountainOne Bank provides a complete array of personal and business banking and electronic services.
The Pittsfield Cooperative Bank marks over 130 years in business. The Bank has grown quietly and steadily over the years with the unwavering commitment to its customers, employees, and communities. Our story is of family homes funded and dreams realized, and of providing assistance to businesses and entrepreneurs.
Greylock Federal Credit Union is an independent company, wholly owned by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements
Lee Bank Our vision is to remain an independent full service bank, provide premier financial services, and deliver a level of customer service that is superior to any other business you may deal with. Because of our independence, we make all our decisions locally, and offer flexible products and services to meet your specific needs
Franklin First began in 1958 as four separate credit unions: Franklin County Public Hospital FCU, Franklin County Teachers FCU, Lunt Silversmiths, and Greenfield Tap & Die Credit Union. As the years went on, they became united by common goals and the desire to offer updated services for their members.
