USDA and FHA Pro and Con in Amherst, Hampshire County, MA
In 2026, the USDA loan limit for Amherst, situated in Hampshire, MA, is $285,000. Conversely, for a single-family home, the FHA limit is $356,362.
Take advantage of the Lendersa® USDA loan calculator to evaluate current USDA vs. FHA rates, determining the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view the USDA, FHA, Conforming, and VA options side by side, assisting you in finding the best program in for your specific financial circumstances.
2026 Loan Limits and Downpayment Requirements in Amherst, Hampshire, MA
Loan Type
Loan Limit
Down payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Amherst, MA
Lendersa® is dedicated to securing the most advantageous USDA or FHA loan for you quickly and without any hassle. Choose one of three pathways that connect you with lenders and explore USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan, is available exclusively in rural communities. Unlike FHA loans that require a 3.5% minimum down payment, USDA mortgages require no down payment.
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