USDA Vs. FHA Pro and Con comparison in Deerfield, Franklin County, MA
In the year 2026, in Deerfield, Franklin county within MA, the USDA loan limit is set at $336,500, while the FHA limit for a single-family home is $472,030.
You can use the Lendersa® USDA loan calculator to compare the optimal USDA and FHA rates available today and identify the necessary income, credit, reserves, and requisite documents to qualify. Our advanced mortgage calculator lets you examine USDA, FHA, Conforming, and VA loans side by side to determine which option in suits your financial situation best.
2026 Loan Limits and Down Payment Guidelines in Deerfield, Franklin, MA
Type of Loan
Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Deerfield, MA
Lendersa® is committed to swiftly securing you the most suitable USDA or FHA loan without any hassle. Choose one of three starting points to find matching lenders and USDA loan programs.
The USDA home loan, offered by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans that usually mandate a minimum down payment of 3.5%, the USDA mortgage is one of the few options that require no down payment at all.
At UMassFive, we know that your success is our success. We are member-owned and member-run, which means a healthy local economy and a strong community is good for business—both ours and yours. As such, our Commercial Services division is designed to help your business grow and adapt with every evolving need, because when you win we all win.
Greenfield Savings Bank has stayed true to its mission to provide a secure place for local residents to save and to access financial products and resources. Today, we continue that commitment with offices throughout Franklin and Hampshire Counties and through online and mobile banking.
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.
Our mission is to provide fairly-priced banking products, financial services and consumer and commercial loans of all types to help local businesses grow, assist individuals and families in achieving their own financial goals, and in this manner make the communities we serve stronger and more prosperous.
Franklin First began in 1958 as four separate credit unions: Franklin County Public Hospital FCU, Franklin County Teachers FCU, Lunt Silversmiths, and Greenfield Tap & Die Credit Union. As the years went on, they became united by common goals and the desire to offer updated services for their members.
Holyoke Credit Union was organized in 1911 as a Massachusetts state-chartered credit union to deliver a full assortment of consumer banking services to its members. Today, Holyoke Credit Union is chartered by the Commonwealth of Massachusetts and regulated by the Massachusetts Division of Banks.
the Polish National Credit Union has grown to meet the needs of our communities. We opened our doors at 222 Exchange Street in Chicopee in an office shared with a real estate and insurance firm owned by Felix Furtek, our first president. In 1942, we moved to 228 Exchange Street and then to a new building located at 244 Exchange Street in 1967
Alden Credit Union has been providing outstanding banking services to our member/owners since 1939. While our outlook and approach to customer service remains local, our reach is truly without boundaries. Whether you are looking to save or looking to borrow; one thing is certain, Alden will give you the absolute best value
LUSO Federal Credit Union, is a member owned, not-for-profit financial cooperative, providing many services to you. We have checking accounts, savings accounts, mortgages, auto loans, refinancing and more with two Western MA branch locations in Ludlow and Wilbraham. We are dedicated to providing access to affordable credit and banking services
