FHA VS Conventional loan programs in Lawrence, Essex County, Massachusetts

In the year 2026, the Conventional loan limit for Lawrence, in the county of Essex, MA, is $828,000, whereas the FHA limit for a single-family dwelling is $828,000.

With the Lendersa® Conventional loan calculator, compare the top rates of today's Conventional, FHA, and USDA loans to assess the required income, credit, reserves, and documents needed for qualification. This advanced tool places Conforming Conventional loans alongside USDA, FHA, and VA options, aiding your decision for the best suited program in MA for your unique financial needs.

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2026 Loan Limits and Down Payment Requirements in Lawrence, County of Essex, MA

Loan Type Loan Limit Down Payment
Conventional Conforming $828,000 3%
USDA $675,000 0%
FHA $828,000 3.5%

This table applies to the following zip codes: 01843

Discover Conventional and FHA Loan Options in Lawrence, MA

The mission of Lendersa® is to swiftly connect you with the optimal Conventional, USDA, or FHA loan, minimizing any hassle. Start with one of three options to align with matching lenders and suitable loan programs.

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Lawrence Lenders

  • Methuen Federal Credit Union
  • 248 Broadway, Methuen, MA, 01844
  • Lends in Massachusetts
  • At Methuen Federal Credit Union, we strive to deliver the best service possible to our most important asset – our members.Methuen Federal Credit Union is a member of the Credit Union Collaborative Network of the Merrimack Valley which is a community of Credit Unions sharing knowledge and working together to better serve its members.

  • Enterprise Bank and Trust Company
  • 222 Merrimack Street, Lowell, MA, 01852
  • Lends in Massachusetts
  • Enterprise Bank was founded through the entrepreneurial vision of George L. Duncan in 1988. We are headquartered in Lowell, Massachusetts, with branch locations throughout the Merrimack Valley and North Central regions of Massachusetts, as well as Southern New Hampshire.For over 30 years, Enterprise Bank has been supporting the financial needs of b

  • The Lowell Five Cent Savings Bank
  • 34 John Street, Lowell, MA, 01852
  • Lends in Massachusetts
  • Locally governed and managed with over 165 years of strength and stability, Lowell Five is a service-oriented community bank providing comprehensive mortgage and loan products in excess of $20 million, extensive deposit and cash management products and services, and investment and insurance products for individuals, businesses, municipalities

  • Mills42 Federal Credit Union
  • 83 Merrimack Street, Lowell, MA, 01852
  • Lends in Massachusetts
  • We are a small but mighty federal credit union serving Greater Lowell, Massachusetts and surrounding communities. And we’re standing ready to help you achieve your financial goals. Whether it be through sitting down with you to create a budget or working with you to buy your first home, our focus is to help you build from here.

  • Align Credit Union
  • 40 Market Street, Lowell, MA, 01852
  • Lends in Massachusetts
  • "Since 1922, Align Credit Union has provided customized banking solutions to individuals and families throughout Northeastern Massachusetts and Southern New Hampshire.

    Align offers a full suite of products and services including Personal and Business Banking, Mortgages, Financial Planning and Insurance."