USDA Vs. FHA your options comparison in Hamilton, Essex County, MA
In 2025, the USDA loan cap for Hamilton, within Essex, MA, is $675,000. The limit for an FHA loan on a single-family home is $828,000.
Use the Lendersa® USDA loan calculator to evaluate the best current USDA versus FHA rates, helping you determine the required income, credit score, reserves, and documentation to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in deciding which program in best suits your financial needs.
2025 Loan Limits and Down Payment Requirements in Hamilton, Essex, MA
Loan Type
Loan Limit
Down Payment
USDA
$675,000
0%
FHA
$828,000
3.5%
Conventional Conforming
$828,000
3%
USDA and FHA Loan Options in Hamilton, MA
The aim of Lendersa® is to swiftly secure the most favorable USDA or FHA loan for you, hassle-free. Choose one of three starting strategies to connect with lenders and access USDA loan programs.
A USDA home loan, backed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a down payment of at least 3.5%, USDA loans need no down payment at all.
3711 Cypress Street, Suite 1, West Monroe, LA, 71291
Centric has been thriving for nearly 80 years! A credit union, first formed in 1937 for Brown Paper Co., has grown to serve more than 32, 000 members within Northeast Louisiana, today. Our desire is to hire the best of the best in financial and retail services. It is our privilege and honor to serve our members on their financial journey!
At Farmers & Merchants Bank your vision is our vision, and we’ll always match our products and services to what you need to reach your goals Our mission is to grow our communities and keep them strong with competitively priced, high-quality personal business and ag products and services that meet and exceed your financial needs. We’re here to help
Founded more than 140 years ago, The First National Bank of Fort Smith is the oldest national bank in the state of Arkansas. The bank was organized February 29, 1872, as "The National Bank of Western Arkansas." In 1888, the name was changed to The First National Bank of Fort Smith.
Commercial State Bank is an independent, locally owned and managed bank with branches located in Wausa, Nebraska City, and Elkhorn, Nebraska. Commercial State Bank was chartered on November 30, 1925, when the Department of Trade and Commerce, Bureau of Banking, signed by Governor Adam McMullen issued the charter.
Emporia State Federal Credit Union began as a small financial institution in July of 1937, serving a "field of membership" of employees of two Emporia cooperatives. Through the years, ESFCU has continued to grow and expand while still preserving it's roots in the Emporia community.
The Credit Union of Emporia was formed in 1953 by seven Santa Fe Railroad employees. It was originally called the “Emporia Santa Fe Credit Union”. In 1985, the members voted to change the name to “Credit Union of Emporia” to better reflect the membership, which represents many of the Lyon County employee groups.
The Lyon County State Bank (LCSB) was chartered on June 27, 1913 and first opened for business at 508 Commercial Street, Emporia, Kansas, with Senator W. M. Price as President. The bank moved to 701 Commercial Street in 1956 and remained there until the current Main Bank facility was built in 1975 at 902 Merchant Street.
River Town Federal Credit Union began in 1958 as a state-chartered credit union. It was formed by a group of Sparks Hospital employees wanting the benefit of savings and loan products.
In 1986, the credit union was granted a federal charter allowing more growth by including other employer groups.
First United Bank, the seeds of our business were planted more than 125 years ago in the rich, black soil of North Dakota farms. It doesn’t matter how you do business with us; if you are involved with First United Bank, you are involved with agriculture. That’s because our bank is still true to its roots.
Citizen’s Choice Federal Credit Union is a financial cooperative that offers a wide range of products with the most convenient rates. We know how important it is always to have options to select from; therefore, we provide a large variety of services for every citizen: share accounts, payroll deduction, direct deposit, auto loans,
Old South FCU was formed in 1953 originally to serve employees of the International Paper Company located in Natchez, MS. Over the years, Old South's field of membership has grown to include other Select Employee Groups. We have since expanded our field of membership to include Concordia Parish, LA and Adams County, MS.
