As of 2026, the USDA loan limit in Ipswich, within Essex county, MA, is $675,000, while the FHA limit for a single-family home is $828,000.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and determine the necessary income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA programs, aiding you in selecting the program that aligns best with your financial situation in Alabama.
2026 Loan Limits and Down Payment Requirements in Ipswich, County of 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 Ipswich, MA
Lendersa® is dedicated to securing the best possible USDA or FHA loan for you promptly and without complication. Select one of three initial pathways to efficiently match with lenders and USDA loan programs.
The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is insured by the Department of Agriculture and is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage does not necessitate any down payment.
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Lends in Massachusetts
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