USDA Vs. FHA your options comparison in Easthampton, Hampshire County, MA
In 2026, the USDA loan limit for Easthampton, located in Hampshire County, MA, is $336,500, while the FHA limit for a single-family residence is $472,030.
Use the Lendersa® USDA loan calculator to explore today's best USDA and FHA rates. Determine what income, credit, reserves, and documents are needed to qualify. By using our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the optimal financial program for your needs in .
2026 Loan Limits and Downpayment Requirements in Easthampton, Hampshire County, MA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Easthampton, MA
Lendersa®'s mission is to offer you the finest USDA or FHA loans quickly and easily. Choose from one of the three starting points, each connecting you with relevant lenders and USDA loan programs.
USDA home loans are government-backed by the Department of Agriculture, also referred to as USDA rural development loans. Available exclusively in rural neighborhoods, these loans do not require any down payment, unlike FHA loans which need a minimum of 3.5% down payment, thus enhancing access to homeownership.
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.
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.
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.
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.
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
Our mission is to provide products and services to our members with the goal of empowering them to understand the importance of financial stability and security, while offering tools to make sound financial decisions. Our vision is to be the pioneer of cutting edge financial products while maintaining exclusive membership benefits.
We’re member-owned and operated so you’ll always feel at home here. Arrha Credit Union is regarded as the premier educational base credit union in the Western Massachusetts financial community. Our Mission is to assist our members in reaching their financial goals by providing superior products and services in a personalized manner.
One Monarch Place, 22nd Floor, Suite 2200, Springfield, MA, 01144
Lends in Massachusetts
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
