USDA VS FHA in Agawam, Hampden County, MA

For 2026, the USDA loan limit in Agawam, located in Hampden, MA, is $336,500. In comparison, the FHA limit for a single-family home is $472,030.

Employ the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates. See what income, credit, reserves, and documentation are needed to qualify. This advanced calculator also lets you evaluate USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program for your financial scenario in .

Compare loan offers from an assortment of 100 lenders

2026 Loan Limits and Down Payment Requirements in Agawam, Hampden, 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 Options in Agawam, MA

Lendersa® aims to quickly connect you with the best USDA or FHA loan without hassle. Choose from three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in MA?

A USDA home loan is backed by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is designated for rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • Arch Capital Inc provide innovative mortgage solutions for various situations, including: Conventional and Jumbo loans, Fixed and Adjustable Rate options, and government options, including FHA, VA and USDA loans. Contact a home loan specialist today for more information or apply online

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  • Nations First Mortgage Inc is a company that provides a high level of expertise and service in the mortgage industry. We will provide superior personal service to buyers. We take pride in knowing that 70% of our business comes from repeat clients and their referrals. Our responsibility as mortgage professionals is to determine.

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  • Northstar Mortgage is a locally owned and operated mortgage company located in Suwanee, GA. With more than two decades of experience serving the mortgage needs of our fellow Georgians, we have gained the knowledge of the industry that allows us to look out for the best interest of our clients and help them make wise and informed decisions.

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