USDA Vs. FHA Pro and Con comparison in Adams, Berkshire County, MA
As of 2026, the USDA loan limit for Adams, located in Berkshire, MA, is $336,500. Meanwhile, the FHA limit for a single-family home is set at $472,030.
Leverage the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates and ascertain the required income, credit score, reserves, and documents necessary for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, aiding your choice of the most suitable program for your unique financial situation in .
2026 Loan Limits and Down Payment Requirements in Adams, Berkshire, MA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Adams, MA
The objective of Lendersa® is to promptly provide you with the best USDA or FHA loan, free from complications. Choose from one of three starting points that connect you with matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage and is available exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment at all.
Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs
Valley Mortgage Company, Inc. arranges for loans with third party providers who offer a full spectrum of loan products including the following: conventional fixed and variable rate conforming and jumbo loans, Federal Housing Administration (FHA) insured loans, Veterans Administration loans, RHS Guaranteed loans (100% Financing and more
the Polish National Credit Union has grown to meet the needs of our communities. We opened our doors at 222 Exchange Street in Chicopee in an office shared with a real estate and insurance firm owned by Felix Furtek, our first president. In 1942, we moved to 228 Exchange Street and then to a new building located at 244 Exchange Street in 1967
Alden Credit Union has been providing outstanding banking services to our member/owners since 1939. While our outlook and approach to customer service remains local, our reach is truly without boundaries. Whether you are looking to save or looking to borrow; one thing is certain, Alden will give you the absolute best value
We’re the Adirondack Trust Company, and we go above and beyond to create solutions for people, businesses and our community.
As a successful independent Bank that’s been serving this area for more than a century, we are vested in your success and committed to taking you and our community to greater heights.
Capital Bank opened for business on Wolf Road in the Town of Colonie in December of 1995. The Bank was founded by a group Albany-based business people and community leaders. The founders knew there was a niche for a new commercial bank in the Capital Region. Over the next 15 years, the forecast of the founders came to fruition,
368 Broadway, Suite 12, Saratoga Springs, NY, 12866
The Funding Store is a Registered Mortgage Broker founded in 2010. At the time of establishment, the mortgage industry had experienced transition as a result of predatory lending and deceptive mortgage practices. Revisions to licensing laws along with additional education and test requirements were embraced and The Funding Store
Schenectady County Employees’ Federal Credit Union was created in 1964, by the Employees’ of Schenectady County. As your Credit Union, we are proud to have to continue to serve our community for more than 50 years for which it was intended to do with the philosophy of “People helping People”.
Our mission is to provide products and services to our members with the goal of empowering them to understand the importance of financial stability and security, while offering tools to make sound financial decisions. Our vision is to be the pioneer of cutting edge financial products while maintaining exclusive membership benefits.
We’re member-owned and operated so you’ll always feel at home here. Arrha Credit Union is regarded as the premier educational base credit union in the Western Massachusetts financial community. Our Mission is to assist our members in reaching their financial goals by providing superior products and services in a personalized manner.
763 Saratoga Road, Suite 4, Burnt Hills, NY, 12027
Prosper First Capital have worked hard to build our reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full-service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.
One Monarch Place, 22nd Floor, Suite 2200, Springfield, MA, 01144
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
