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.
Begin comparing loan offers across 100 lenders today
| 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
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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Bridge Loan Guides
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