FHA VS Conventional loan in Swansea, Bristol County, Massachusetts

During 2026, the conventional loan ceiling in Swansea, Bristol county, MA is set at $726,200, whereas the FHA cap for a single-family unit is $661,250.

Our Conventional loan calculator from Lendersa® allows you to contrast today's rates for Conventional, FHA, and USDA mortgages, making it easy to assess the income level, credit rating, necessary reserves, and documentation required for eligibility. Utilizing our comprehensive mortgage calculator, evaluate Conforming Conventional loans alongside USDA, FHA, and VA to pinpoint the most advantageous option in MA for your financial needs.

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Loan Limits and Downpayment Details for 2026 in Swansea, County of Bristol, MA

Type of Loan Limit of Loan Down Payment
Conventional Conforming $726,200 3%
USDA $473,800 0%
FHA $661,250 3.5%

Please note: This table pertains to the zip codes: 2777

Consider Conventional and FHA Loan Alternatives in Swansea, MA

The mission of Lendersa® is to provide you with optimal Conventional, USDA, or FHA loans swiftly and with minimal hassle. Choose one of the three options to connect with the right lenders and programs.

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Swansea Lenders

  • BayCoast Bank
  • 330 Swansea Mall Drive, Swansea, MA, 02777
  • Lends in Massachusetts
  • BayCoast Bank has 24 locations: Berkley, Dartmouth, Fairhaven, Fall River, Foxborough, New Bedford, North Dighton, Somerset, Swansea, Seekonk, Westport in Massachusetts and Bristol, Cranston, Little Compton, Providence, Tiverton, Portsmouth in Rhode Island. Each branch has at least one ATM, and ITMs are located at select branches.

  • BayCoast Mortgage Company, LLC
  • 330 Swansea Mall Drive, Swansea, MA, 02777
  • Lends in Massachusetts
  • BayCoast Mortgage, LLC is a full service lender providing industry best solutions in residential purchase, refinance, renovation, and construction loans. Our product offering complements customers throughout the East Coast including FNMA, FHLC, VA, FHA, Jumbo, MA Housing, RI Housing and BayCoast Portfolio .

  • St. Anne's Credit Union
  • 286 Oliver Street, Fall River, MA, 02724
  • Lends in Massachusetts
  • St. Anne's Credit Union has been providing financial products and banking services since 1936. St. Anne's has over 150 employees servicing ten locations including Dartmouth, Fairhaven, Fall River, New Bedford, Somerset, Swansea, Westport and The Lending Center in Plymouth. St. Anne’s was selected for the fifth year in a row #1 Credit Union by the p

  • Fall River Pawn Brokers
  • 1475 South Main Street, Fall River, MA, 02724
  • Lends in Massachusetts
  • Fall River Pawnbrokers was established in 1995 with our first pawn shop operation opening its doors in Fall River, Massachusetts. For over 24 years we have contributed to serving working families and communities by providing a wide range of financial services for people of all ages and backgrounds.

  • Bank 5
  • 79 North Main Street, Fall River, MA, 02720
  • Lends in Massachusetts
  • BankFive, based in Fall River, Massachusetts, is the SouthCoast's premier independent community bank, and one of the top regional banks in the area. With 13 convenient banking locations in Swansea, Somerset, Fall River, Dartmouth, New Bedford, Fairhaven, and Bristol, RI, plus lending offices in Woburn, Wrentham, and Cranston, RI.

  • First Class Mortgage Company
  • 99 S. Main Street, Suite 154, Fall River, MA, 02721
  • Lends in Massachusetts
  • Our mission is to serve our customers with honesty, integrity and competence. We specialize in Home Purchase Loans and Refinancing in MA and RI. 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

  • Fall River Municipal Credit Union
  • 333 Milliken Blvd, Fall River, MA, 02721
  • Lends in Massachusetts
  • Fall River firemen gave birth to what is today the Fall River Municipal Credit Union. The beginning was humble to say the very least. It started with a Fall River firefighter, a state appointed finance board, and the impending threat of wholesale cuts in the pay of city employees

  • East Coast Financial Corp.
  • 1460 Fall River Avenue, Seekonk, MA, 02771
  • Lends in Massachusetts
  • "Our company motto, ""One Family Helping Another"", signifies the importance of treating all clients as if they were family.
    We realize the process of financing real estate can be difficult at times which is why we make it our primary goal to deliver superior service in an effort to make your experience more pleasurable than you may have expected.