As of 2026, the USDA loan quota in Dalton, covering the county of Berkshire, MA, is denoted as $336,500. On the other hand, the FHA limit for a single-family dwelling is $472,030.
Utilize Lendersa®'s USDA loan calculator to examine today's optimal USDA compared to FHA rates, and discern the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs simultaneously, making it easier to choose the best fit for your financial needs—especially if you're in Alabama.
2026 Loan Thresholds and Down Payment Guidelines in Dalton, Berkshire, MA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Options in Dalton, MA
Lendersa® seeks to secure the best USDA or FHA loans swiftly, minimizing any hassle. Choose from three different beginning points to connect with lenders and the USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is designated for rural areas. Unlike FHA loans that require a 3.5% minimum down payment, a USDA mortgage demands no down payment at all.
The Pittsfield Cooperative Bank marks over 130 years in business. The Bank has grown quietly and steadily over the years with the unwavering commitment to its customers, employees, and communities. Our story is of family homes funded and dreams realized, and of providing assistance to businesses and entrepreneurs.
At MyCom FCU we offer competitive rates on auto loans as well as above average interest rates for Certificates of Deposit and Money Market Accounts Our Mission is to continue to promote the basic principle of people helping people, while providing services that meet the diverse and ever changing needs of our membership
Greylock Federal Credit Union is an independent company, wholly owned by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements
Adams Community Bank is a responsive, community-focused, mutually owned savings bank providing premier banking services to the people and businesses of the Berkshires. Headquartered in Adams, MA, we have 8 full-service branch locations in Adams, North Adams, Williamstown, Cheshire, Lanesborough, Lenox, and Lee.
Lee Bank Our vision is to remain an independent full service bank, provide premier financial services, and deliver a level of customer service that is superior to any other business you may deal with. Because of our independence, we make all our decisions locally, and offer flexible products and services to meet your specific needs
MountainOne is dedicated to the local communities we serve, with a mission of delivering solutions of real value that help individuals, businesses, and community institutions manage their financial lives with clarity & confidence. Founded in 1848, MountainOne Bank provides a complete array of personal and business banking and electronic services.
Our commitment to sound banking, combined with our promise to provide the best service available, has made us one of the fastest growing banks in our area.
Florence Bank remains committed to serving the community as a local bank. The bank is depositor owned and its Directors and Corporators are all actively involved in the local community.
Westfield Bank is a federally chartered stock savings bank headquartered in Westfield, Massachusetts. Founded in 1853, Westfield Bank offers a comprehensive line of commercial and personal banking products and services to customers in Western Massachusetts and Northern Connecticut.
