FHA VS Conventional loan in Northampton, Hampshire County, Massachusetts
In 2025, the established limit for Conventional loans in the location of Northampton, which falls within the county of Hampshire, MA, is $726,200. On the other hand, the FHA cap is set at $472,030 for a single-family home. These limits are crucial for determining the amount you can borrow under each loan type.
Take advantage of the Lendersa® Conventional loan calculator to evaluate and contrast today's leading rates in Conventional, FHA, and USDA financing. By using this tool, you can determine the necessary income, credit score, reserves, and documentation needed to qualify. Our sophisticated mortgage calculator allows a side-by-side analysis of Conforming Conventional, USDA, FHA, and even VA loans, helping you to choose the most suitable program in MA according to your financial profile.
Insights into 2025 Loan Limits and Downpayment Requirements in Northampton, located in the county of Hampshire, MA
Loan Type
Loan Limit
Down payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
Note: This comparison table is relevant for the following zip codes: 01060, 01062, 01063, 01053, 01061
Explore Your Options for Conventional and FHA Loans in Northampton, MA
At Lendersa®, our mission is to efficiently connect you with the best available Conventional, USDA, or FHA loan options, minimizing hassle and optimizing speed. Choose from three strategic starting points that facilitate finding matching lenders and tailorable loan programs.
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