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

In 2026, the Conventional loan limit in Rowley, belonging to the county of Essex, MA, is established at $828,000. Conversely, the FHA limit, pertinent to a single-family home, stands at $828,000. These limits serve as vital benchmarks for prospective homebuyers when formulating their financial plans for purchasing property.

With the Lendersa® Conventional loan calculator, you can evaluate and compare today's optimal rates across Conventional, FHA, and USDA loan options. Determine what income, credit, reserves, and documentation are needed for eligibility. Our advanced mortgage calculator presents side-by-side views of Conforming Conventional loans, USDA, FHA, and VA options, helping you choose the most suitable program in MA tailored to your financial circumstances.

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2026 Loan Limits and Down Payment Specifications in Rowley, Essex, MA

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

This informative table covers the following zip codes: 1969

Available Conventional and FHA Loan Options in Rowley, MA

The aim of Lendersa® is to link you with the best possible Conventional, USDA, or FHA loan options seamlessly and efficiently. Begin by selecting one of the three tailored pathways to connect with lenders and loan programs that suit your specific needs.

Review results from Lendersa USDA loan requests


Rowley Lenders

  • Newburyport Five Cents Savings Bank
  • 63 State Street, Newburyport, MA, 01950
  • Lends in Massachusetts
  • We’re a full-service community bank that’s been serving the Greater Seacoast since 1854. We know this area well and are unwavering in our commitment to equip people and businesses with everything you need to journey well and achieve the outcomes you desire. We’re involved in the betterment of community and embrace philanthropy.

  • Institution For Savings
  • 93 State Street, Newburyport, MA, 01950
  • Lends in Massachusetts
  • The Institution for Savings, founded in 1820, is one of the oldest mutual banks in the country with 15 full-services offices along Massachusetts' North Shore and Cape Ann. Member FDIC, FDIC, Equal Housing Lender.banks in the country with 15 full-services offices along Massachusetts MA.

  • CBC Financial
  • 76 State St, Newburyport, MA, 01950
  • Lends in Massachusetts
  • Since our inception in 2001, we have realized above-market returns on our portfolio of residential and commercial assets. We pride ourselves on our in-depth construction management experience, careful analysis of our markets, value-add capabilities, and on our successful partnerships with local builders

  • Haverhill Bank
  • 180 Merrimack Street, Haverhill, MA, 01830
  • Lends in Massachusetts
  • Haverhill Bank is a full service community bank with a wide range of financial products and services. Loan products include both residential and commercial mortgages and lines of credit, as well as personal and business loans. The bank’s personal and business deposit products include a variety of savings and checking accounts.

  • HTM Credit Union
  • 4 Summer Street, Room 3, Haverhill, MA, 01830
  • Lends in Massachusetts
  • The Haverhill Teachers Credit Union was formed in 1937 as a member owned, state chartered, non-profit organization. It was opened in the basement of Haverhill High School (currently City Hall). Following the established pattern as a savings and loan service, members took advantage of the newly developed programs

  • Pentucket Bank
  • 1 Merrimack Street, Haverhill, MA, 01830
  • Lends in Massachusetts
  • Pentucket Bank was established in 1891 as a mutual bank, which essentially means we are owned by our customers and our primary focus has always been on meeting their needs. As a local community bank our focus is in three key areas: building long term relationships with our customers, by providing a level of service.

  • The Provident Bank
  • 5 Market Street, Amesbury, MA, 01913
  • Lends in Massachusetts
  • We were founded in 1828 and were a “traditional” bank for a long time. But in 2020, we reshaped our nearly 200-year-old DNA to become an innovative, adaptive and technology-first, commercial bank supporting businesses across specialty markets like Digital Assets, Banking as a Service and Renewable Energy.

  • National Mortgage Advice
  • 110 Haverhill Road, Suite 312, Building C, Amesbury, MA, 01913
  • Lends in Massachusetts
  • At National Mortgage Advice, we finance what national banks can't or wont! We Offer: Real Estate Counseling, Acquisition, Development and Financing. We finance in 43 States. Jeffrey J. Moore President at National Mortgage Advice, Inc. National Mortgage Advice, LLC is now their lender of choice.

  • Commonwealth Mortgage
  • 98 High Street, Danvers, MA, 01923
  • Lends in Massachusetts
  • Commonwealth Mortgage NewFED™ Mortgage Corporation is not the only way to get your home financed, but it should be. We treat each customer the way we would like to be treated. We have great support and sales staff who want to prove to you that we can get the job done each and every time you need financing.