USDA and FHA Pro and Con in Beverly, Essex County, MA

In 2025, the USDA loan cap for Beverly, located in Essex county, MA, stands at $675,000, whereas the FHA limit for a single-family home reaches $828,000.

Make use of the Lendersa® USDA loan calculator to compare today's top USDA and FHA interest rates and identify the income, credit score, reserves, and documents needed to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you select the best program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Beverly, Essex, MA

Loan Type Loan Limit Down payment
USDA $675,000 0%
FHA $828,000 3.5%
Conventional Conforming $828,000 3%

Available USDA and FHA Loan Options in Beverly, MA

The mission of Lendersa® is to swiftly secure the most advantageous USDA or FHA loan without hassle. Choose from one of three paths to connect with lenders and explore USDA loan possibilities.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

A USDA home loan, also referred to as a USDA rural development loan, is guaranteed by the U.S. Department of Agriculture. This mortgage is specifically available in rural areas and, unlike FHA loans requiring at least a 3.5% down payment, requires none.

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



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  • TopLine Federal Credit Union is a not-for-profit, member-owned financial services cooperative serving the Twin Cities and surrounding areas. For over 85 years, we’ve been the safe, local banking choice for Minnesotans looking for greater financial peace of mind. We provide all the personal banking services you need to make life more comfortable
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  • Mortgages Unlimited delivers value-added loan solutions that fit every clients needs. Our goal is simple—to offer the unlimited loan options of a major lender with the personal service and feel of a family-owned business. We take great pride in our corporate values—strong ethics, family values and teamwork.
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  • The Bank of Okolona is a hometown bank that has been serving Chickasaw County and the surrounding area for over 75 years. Whether it is a personal deposit account or a business loan that brings you to the Bank of Okolona, we can help. We hope this website and its contents will be helpful with your banking from home or the office.
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  • 2330 Highway 45 North, Columbus, MS, 39705
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