Explore the differences! FHA VS Conventional loan programs in Merrimac, Essex County, Massachusetts

In 2025, the Conventional loan limit for a single-family home in Merrimac, within Essex county, MA is set at $828,000, while the FHA limit is $828,000.

Use the Lendersa® Conventional loan calculator to evaluate and compare current rates for Conventional, FHA, and USDA loans. Determine required income, credit, reserves, and necessary documents. Our advanced calculator displays Conforming Conventional loans, USDA, FHA, and VA options together, assisting you in selecting the most suitable program in MA that fits your financial situation.

Browse loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Merrimac, Essex, MA

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

This comparison table applies to the following zip codes: 1860

Explore Conventional and FHA Loan Choices in Merrimac, MA

Lendersa® strives to help you quickly find the best possible Conventional, USDA, or FHA loan without hassle. Begin with one of three pathways to connect with compatible lenders and suitable loan programs.

Evaluating USDA loan requests and matches with Lendersa


  • High Country Bank
  • 7360 West Highway 50, Salida, CO, 81201
  • High Country Bank's mission is to Strengthen our communities, Help our neighbors, Promote career growth and development of our employees, and Reward our stakeholders. On October 27, 1886, an organization meeting of citizens of Chaffee County Colorado was held for the purpose of organizing a Building and Loan Association.
  • Bank of Commerce
  • 221 3rd Street, Rawlins, WY, 82301
  • Bank of Commerce is committed to our community. Our mission is simply to “Be A Better Bank”. This means that we will not only work in our community, but we are proud to be actively involved in and around our community to make it a better place for all of us to live, work, and play.
  • MOUNTAIN VALLEY BANK
  • 101 N. 6th Street, Hayden, CO, 80487
  • Colorado hometown bank with locations in Steamboat Springs, Walden, Meeker and Hayden. We also have locations in Wyoming and Nebraska. Our products include personal banking, business banking, loans, checking, savings, CDs, FREE ATM usage for our customers, Cash Back Rewards, credit cards, mortgage loans, car loans, and ag loans.
  • Yampa Valley Bank
  • 600 South Lincoln, Suite 100, Steamboat Springs, CO, 80487
  • Yampa Valley Bank is a truly locally owned Bank serving the people of Routt and Moffat Counties. Our singular commitment to community Banking is reflected in the honest and friendly service provided to all our visitors. It’s what we call Genuine Hometown Banking - it’s who we are.
  • Rocky Mountain Bank (Montana)
  • 2615 King Avenue West, Billings, MT, 59108
  • We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.
  • SECURITY STATE BANK
  • 201 South 4th Street, Basin, WY, 82410
  • Our mission and strategic plan is to remain locally owned and independent. We believe that our structure enables us to provide the highest standard in financial services including quality service, competitive products, and value to our customers.Additionally, we are committed to exploring new banking solutions.
  • Collegiate Peaks Bank
  • 105 Centennial Plaza, Buena Vista, CO, 81211
  • Collegiate Peaks Bank, Division of Glacier Bank is a growing community bank, serving personal and commercial customers. We currently have four bank Branches, in Salida, Buena Vista, Denver-RiNo, Denver-Belcaro and in February, 2020 we will be opening a Branch in the Denver Tech Center.
  • My Community Credit Union
  • 600 West Louisiana, Midland, TX, 79701
  • My Community Credit Union was federally charted on February 13, 1952, when a local man visited a bank to request a loan for the purchase of a home and was denied. A small group of co-workers for the Atlantic Refining Company (ARCO) joined together to finance this loan so that he could purchase his home.
  • Community National Bank (Midland, Texas)
  • 500 W. Illinois Ave., Midland, TX, 79701
  • Community National Bank, established in 1984, continues to expand upon our original mission to provide a strong, locally owned, community bank. CNB distinguishes ourselves through a focused dedication to the success of the the DFW, Midland, Odessa, & Stanton communities by providing outstanding customer experiences to those we are honored to serve.
  • Affiliated Mortgage
  • 1602 Miles Avenue, Billings, MT, 59102
  • Affiliated Mortgage is a top-rated home loan provider in Montana with offices in Billings. Our primary goal is to offer affordable and customized mortgage solutions so that potential homebuyers can fulfill their dream of home ownership. We are here to help you get approved to buy a new home or refinance your existing home loan in no time.
  • Universal Lending Home Loans
  • 2646 Grand Ave, Suite 2, Billings, MT, 59102
  • Universal Lending Corporation was founded nearly 40 years ago on the principle that our customers deserve individual and specialized attention throughout the mortgage process. This is why we have one of the highest rates of repeat borrowers in the business. Our mortgage professionals embrace our passion for customer care