FHA VS Conventional loan programs in 2025 for 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.
We are a family owned mortgage lender dedicated to making the home loan process simple and fast. Dan Phillips has been in the mortgage industry for the past 30 years and strives to offer excellent service, low competitive rates and mortgage loan programs that meets your specific need.
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Pinnacle Bank has been a locally owned, community bank since 1934. We specialize in meeting our customers' financial needs, both now and into the future. Local decisions, quick responses and numerous locations are just a few of the reasons to choose Pinnacle Bank and also Pinnacle Bank is a state chartered community bank serving Elbert, Franklin, H
4600 Washington Ave, Suite 107, Evansville, IN, 47714
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Chattanooga Federal Employees Credit Union is a not-for-profit, member-owned financial institution that exists to serve its members. Being a member of the credit union is the smart way to manage your finances. We have a complete line of financial products and services to meet your needs.
HomeRate Mortgage of Tennessee saves local home owners money. Ben Phillips is the voice of HomeRate Mortgage and he helps Eric Bradshaw manage the success of hundreds of clients mortgage closings. When it comes to getting the lowest rate and the quickest mortgage approval you have to depend on the best mortgage professionals.
6111 Shallowford Road, Suite 105, Chattanooga, TN, 37421
Platinum Financial Funding is a residential mortgage lender with branches located in Tennessee and Michigan. Founded in 2008, we have been proudly serving the needs of homebuyers for over 11 years!
At Platinum Financial Funding, we are dedicated to providing a superior mortgage experience for borrowers with speed.
Our Mission is to become the trusted advisor for families, businesses and the community offering a complete range of financial services. Our tailored customer centric approach enables flexibility and solutions that position our clients for success not only today, but every day in the future.
Educated Mortgage Services is a Mortgage Banker and Broker company licensed in Wisconsin & Illinois with an experienced staff offering expertise in every area of mortgage lending. We offer a full range of mortgage products to offer one stop shopping for all clients. We are dedicated to finding the right loan.
Here at Sterling United Federal Credit Union we are humble to our history. The Credit Union originated in 1956 with the initial purpose being to serve employees of Sterling Brewery and their families. Amusingly enough, it all began in the brewery locker room – where employee’s checks could be cashed!
