USDA and FHA Pro and Con in Amherst, Hampshire County, MA
In 2025, 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.
2025 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.
First Western Trust strives to be the best private bank and trust company for the Western wealth management client, providing comprehensive tailored solutions and access to a local team of experts. With over $6 billion in affiliated assets under management or advice, First Western offers a unique combination
Our Mission Statement is to promote thrift among it’s Members and to create a source of Credit that is easily accessible by the Membership. High Desert Community Credit Union is a member of NCUA. They insure your deposits just as the FDIC does for banks. We moved into our new location at 321 S. Main in Aztec, NM on May 17, 2019.
Key Mortgage Group Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
We are the Credit Union for BNSF Employees and their Families. We understand your life is constantly on the tracks, so we make it easy on you to open an account, apply for a loan, and get access your funds. We have been serving BNSF Employees since 1955. We are a closed member Credit Union, that means not just anyone can join.
The Dolores State Bank is proud to be the largest independent bank in Montezuma County, Colorado. All decisions are made locally by people who look beyond the numbers to best serve the community. Our officers and employees realize you, our customers, are ultimately responsible for the growth and success of the bank.
Prospera Business Network is the leading non-profit organization advancing and supporting community-centered economic development in southwest Montana. Our focus is helping people start and grow their business – in turn strengthening our region’s economy and communities. Prospera services are client-focused offering entrepreneurs
Superior customer service, competitive products and local Bozeman loan decisions. These are just a few of the things that make us your premier local Bozeman, Montana bank. We’ve modeled our business on the community we treasure, bringing top talent and extensive experience to a small-but-powerful new kind of bank.
"We are a local lender backed by the experience and expertise of GoPrime Mortgage, Inc. based in North Carolina. With decades of combined experience our processors, underwriters and Loan Officers can offer unsurpassed service in one of the biggest transactions of your life.
We offer Conventional, FHA, VA, USDA Rural Development and Jumbo loans"
Here at Major Mortgage We are your Local Mortgage Lender and we strive daily to be a one stop shop for you by providing Processing, Underwriting and Closing all under the same roof. Our team of licensed experts have a combined 40 years of experience and extensive knowledge and understanding of loans and how they work.
