USDA Vs. FHA your options comparison in Essex, Essex County, MA
In 2026, the USDA loan limit in Essex, part of Essex County, MA, is $675,000, whereas the FHA limit for a single-family residence is $828,000.
Try the Lendersa® USDA loan calculator to effectively compare today’s best rates between USDA and FHA options, identifying income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, ensuring you find the optimal program in for your unique financial situation.
2026 Loan Limits and Downpayment Requirements in Essex, Essex County, MA
Loan Type
Loan Limit
Down payment
USDA
$675,000
0%
FHA
$828,000
3.5%
Conventional Conforming
$828,000
3%
Exploring USDA and FHA Loan Options in Essex, MA
Lendersa® is dedicated to securing the best USDA or FHA loan for you swiftly, free of complications. Choose one of three starting paths, making it easy to pair with lenders and find suitable USDA loan programs.
The USDA home loan, backed by the Department of Agriculture and termed as USDA rural development loan or USDA mortgage, is confined to rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans eliminate the need for any down payment.
Harborstone Credit Union has branch locations in King, Pierce, and Thurston counties to serve our members. Which means we're big enough to offer a wide variety of products and services yet small enough to offer a pleasant and personable atmosphere. When you join Harborstone, you become a part owner of our not-for-profit organization.
450 Port Orchard Blvd, Suite 220, Port Orchard, WA, 98366
American First Lending Corporation is a direct lender focused on superior execution and customer satisfaction. We pride ourselves in providing our clients with superior service while maintaining the highest standard of professional integrity in the ever changing residential lending landscape.
American Lake Credit Union’s history dates to 1947 and evolved over time as it combined with two other credit unions; Minutemen Credit Union in 1999 and KBR Credit Union in 2015. As of September 30, 2018, American Lake CU had Assets totaling $67.5M and serving over 6, 200 members from four locations.
Pacific Equity and Loan was built on the belief in the clients’ potential to succeed. With flexible terms, fees and competitive rates, the client is always put first. We are flexible in areas where other lenders aren’t. At Pacific Equity & Loan, we understand that each investor is unique and we work hard to structure a loan to fit your needs.
7403 Lakewood Drive West, Suite 4, Lakewood, WA, 98499
All Tech Mortgage Inc. - Serving Northwest homeowners just like you since 1996. Specialize in Conventional, FHA & VA home loans to purchase or refinance property in WA State. We Shop, You Save! Let us put our 25 years of mortgage experience to work for you when it comes to finding the right lender & loan program for your purchase or refinance.
Pacific Equity and Loan was founded at the end of 2018 by three managing partners: Chris Robison, Sang Yoon, and Scott Baukol. Each equipped with years in private money lending, real estate investment, business operation, and money management, Pacific Equity and Loan was born from the ideas of forward thinking and knowledgeable leaders.
Kitsap Credit Union has a unique culture that is infectious among its employees. We create a safe, fun, and friendly working environment where all employees are valued. To help support our mission of members joining together to build a stronger community, KCU employees are often volunteering in the community or at community events.
making your dreams of tomorrow a reality today. Originating Conventional VA FHA USDA
Jumbo Stated No Doc and NiV DSCR No ratio. our website is top notch and and you view and check the status of your rate with a custom quote with live pricing from our investment banks 24 hours a day
