USDA and FHA Pro and Con in Holyoke, Hampden County, MA
In 2026, the USDA loan limit for Holyoke, located in Hampden county, MA, is $336,500, whereas the FHA loan cap for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the best current USDA versus FHA rates and identify the income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA options side by side to decide which program in is best for your financial situation.
2026 Loan Limits and Downpayment Requirements in Holyoke, Hampden, MA
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Holyoke, MA
The aim of Lendersa® is to swiftly secure the best USDA or FHA loan for you without hassle. Choose from one of three starting points to connect with lenders and examine USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and also called a USDA rural development loan, is available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans demand no down payment.
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