As of 2026, the USDA sets a loan limit in Haverhill, located in Essex county of MA, at $675,000. Meanwhile, the FHA imposes a cap of $828,000 for single-family homes.
Utilize the Lendersa® USDA loan calculator to compare the current USDA and FHA rates and determine the necessary income, credit, reserves, and documentation to qualify. Our comprehensive mortgage calculator allows you to examine USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the optimal program within that fits your personal financial situation.
Loan limits and down payment terms for 2026 in Haverhill, Essex county, MA
Loan Type
Loan Limit
Down payment
USDA
$675,000
0%
FHA
$828,000
3.5%
Conventional Conforming
$828,000
3%
Available USDA and FHA loan choices in Haverhill, MA
Lendersa® endeavors to swiftly and effortlessly secure the ideal USDA or FHA loan for you. Begin with one of three strategies to align with lenders and discover USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is accessible exclusively in rural regions. In contrast to FHA loans, which call for a minimum down payment of 3.5%, the USDA mortgage requires no down payment.
Commercial Capital Investor Group is a multi-faceted firm providing numerous sources of liquidity and capital investment to both the commercial and residential investment real estate markets. Our innovative simple documentation, no income verification loan programs set us apart from the competition and enables us to close loans that banks.
Haverhill Bank is a full service community bank with a wide range of financial products and services. Loan products include both residential and commercial mortgages and lines of credit, as well as personal and business loans. The bank’s personal and business deposit products include a variety of savings and checking accounts.
The Haverhill Fire Department Credit Union was chartered on August 5, 1933 for Haverhill firefighters and their families. The first office was located at the Essex Street fire station. After 1 year of business, in August of 1934, the credit union had 91 members and $3, 515.08 in assets. By 1950 the credit union had assets of nearly $41, 000.
The Haverhill Teachers Credit Union was formed in 1937 as a member owned, state chartered, non-profit organization. It was opened in the basement of Haverhill High School (currently City Hall). Following the established pattern as a savings and loan service, members took advantage of the newly developed programs
Pentucket Bank was established in 1891 as a mutual bank, which essentially means we are owned by our customers and our primary focus has always been on meeting their needs. As a local community bank our focus is in three key areas: building long term relationships with our customers, by providing a level of service.
