USDA Loan Vs. FHA loan pro & con Greenfield, Franklin County, MA

For the year 2026, the USDA loan limit for Greenfield, in Franklin county, MA, is set at $285,000, whereas the FHA limit for a single-family home reaches $356,362.

Take advantage of the Lendersa® USDA loan calculator to contrast current best rates between USDA and FHA, and ascertain the necessary income, credit, reserves, and documents for eligibility. Utilizing our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA loans side by side. This tool assists you in discerning which program in aligns best with your unique financial circumstances.

Exploring USDA and FHA Loan Options in Greenfield, MA

Lendersa® strives to provide you with the most favorable USDA or FHA loan options swiftly and effortlessly. Begin your journey by choosing one of three initial pathways that connect you with the perfect lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

USDA home loans, backed by the Department of Agriculture, are also known as USDA rural development loans or USDA mortgages and are designed specifically for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages necessitate no down payment whatsoever, making them a distinct choice for homebuyers.

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Greenfield Lenders
(413) 772-0293 Lender's profile and map Greenfield Co-operative Bank 63 Federal Street, Greenfield, MA, 01301 Lends in Massachusetts 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.
(413) 774-6700 Lender's profile and map Franklin First FCU 57 Newton Street, Greenfield, MA, 01301 Lends in Massachusetts 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.
(413) 774-3191 Lender's profile and map Greenfield Savings Bank 282 Avenue A, Turners Falls, MA, 01376 Lends in Massachusetts 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.
(413) 256-5500 Lender's profile and map UMassFive College Federal Credit Union 200 Westgate Center Dr, Hadley, MA, 01035 Lends in Massachusetts 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.