FHA VS Conventional loan programs in Swampscott, Essex County, Massachusetts

In the year 2026, the limit for a conventional loan in Swampscott, located within Essex county in MA, is currently established at $828,000. By comparison, the FHA limit applicable to a single-family home is set at $828,000. These loan limits are crucial for potential homebuyers looking to understand their financing options within these geographic constraints.

Leverage the Lendersa® Conventional loan calculator to thoroughly compare today's top rates between Conventional, FHA, and USDA loans. This analytic tool assists you in evaluating what income level, credit score, financial reserves, and essential documents are necessary to qualify for financing. By utilizing our advanced mortgage calculator, you’ll have the ability to review side-by-side comparisons of Conforming Conventional loans alongside USDA, FHA, and VA loans, ensuring you select the most advantageous program for your specific financial situation in MA.

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Essential Loan Limits and Downpayment Requirements for 2026 in Swampscott, Essex, MA

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

The figures in this table are relevant for the zip codes specified as: 1907

Explore a Variety of Conventional and FHA Loan Options in Swampscott, MA

At Lendersa®, our primary goal is to expedite your access to the best possible Conventional, USDA, or FHA loan solutions seamlessly and without unnecessary hassle. You can start by selecting one of the three strategic pathways, each designed to connect you directly with lending partners and loan programs tailor-made to suit your unique requirements.

Reviewing Loan Matching Results for USDA with Lendersa


Swampscott Lenders

  • Brotherhood Credit Union
  • 75 Market St Lynn, Lynn, MA, 01901
  • Lends in Massachusetts
  • Brotherhood Credit Union offers its members a full service website that allows for true "Banking from Home" functionality. Users have the ability to get account balance and history reports, transfer money between accounts, make bill payments, and so much more. Brotherhood Credit Union has been serving its members in and around the Lynn, MA.

  • Clipper Commercial Capital
  • 20 Waterside Road, Marblehead, MA, 01945
  • Lends in Massachusetts
  • Clipper Commercial Capital, LLC is an advisory firm based in greater Boston, providing capital solutions for small and mid-size business nationwide. We work closely with a network of national bank and non-bank financial institutions to offer competitive rates, market knowledge, and specialized lending solutions.

  • The National Grand Bank of Marblehead
  • 91 Pleasant Street, Marblehead, MA, 01945
  • Lends in Massachusetts
  • Incorporated in April of 1831 as the Grand Bank, later renamed the National Grand Bank, we officially opened our doors on November 18, 1831. That day we recorded $1, 500 worth of deposits and started our commitment to providing the citizens and businesses of Marblehead with the best service and banking products available.

  • Stepstone Mortgage Company Inc
  • 89 Front Street, Suite 313, Marblehead, MA, 01945
  • Lends in Massachusetts
  • We have been in business since 1988 and have helped thousands of homeowners purchase their new home, refinance into a lower rate, or get cash for home improvements, investments, business, debt consolidation, and college. Call us and see what the Stepstone Advantage is all about. We will strive to find the right mortgage product for you.

  • Salem Five Bank
  • 71 Washington Street, Salem, MA, 01970
  • Lends in Massachusetts
  • At Salem Five, we understand the importance of helping our communities. Through the Salem Five Charitable Foundation, we are committed and continue to support a variety of community organizations ensuring vibrant and viable futures for the people whom these critical organizations serve.Salem Five is owned & operated for the benefit of its customers

  • Peabody Municipal Federal Credit Union
  • 12 Chestnut Street, Peabody, MA, 01960
  • Lends in Massachusetts
  • The Peabody Municipal FCU is a nonprofit organization independent of the City of Peabody. Credit Union is owned and operated by its members to encourage savings and to provide funds for member needs at competitive rates. and also Peabody Municipal Federal Credit Union is dedicated to providing competitive financial products and superior service to

  • Luso American Credit Union
  • 37 Tremont Street, Peabody, MA, 01960
  • Lends in Massachusetts
  • Luso American Credit Union was founded in 1960 to serve the financial needs of the local community. We are a full service Credit Union and offer financial products, services, and delivery channels that you may expect from a larger financial institution, with the personalized and professional service that you crave.

  • Miller Mortgage, LLC
  • 515 Lowell Street, Suite 1, Peabody, MA, 01960
  • Lends in Massachusetts
  • Miller Mortgage is a licensed mortgage broker in Massachusetts & New Hampshire.Located Boston in Peabody, MA our mission is to provide the best customer service & secure the lowest mortgage interest rates from our lending partners.Our volume enables us to procure very low mortgage rates and flexible programs in the Massachusetts and New Hampshire.

  • GoldCoast Mortgage Service Inc
  • 100 Cummings Center, Suite 544H, Beverly, MA, 01915
  • Lends in Massachusetts
  • GoldCoast Mortgage To make certain that you succeed at your real estate goals.To do so we need to learn your objectives. We genuinely enjoy learning about your goals and seeing if we can help We won’t chase, sell, or obligate you. Ever. If your goals lead you to another mortgage lender or bank we will support the decision to pursue that path.