USDA Vs. FHA your options comparison in Lawrence, Essex County, MA
During 2026, the USDA loan cap in Lawrence, within Essex county, MA, is $675,000, whereas the FHA cap for a single-family home is $828,000.
Leverage the Lendersa® USDA loan calculator to explore current USDA versus FHA rates, and identify necessary income, credit score, reserves, and documents for eligibility. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the ideal program in for your unique financial circumstances.
Loan Limits and Down Payment Requirements for 2026 in Lawrence, Essex County, MA
Loan Type
Limit
Down Payment
USDA
$675,000
0%
FHA
$828,000
3.5%
Conventional Conforming
$828,000
3%
USDA and FHA Loan Options in Lawrence, MA
Lendersa® strives to secure the best USDA or FHA loan for you quickly and effortlessly. Opt for one of three available starting points that align with suitable lenders and USDA loan schemes.
The USDA home loan, endorsed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is meant solely for rural areas. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA loans do not require any down payment.
500 West Eighth Street, Suite 45, Vancouver, WA, 98660
With over three decades in the mortgage industry and thousands of funded loans, we are experts in innovative mortgage financing. Today, challenging mortgage applications often get turned down for being “outside of the box”, but not at Wealthbridge. We want to help build your future, not make it harder.
DC Lending started in 1998 as a new family operated mortgage company. As we moved into the second generation of business, one of our sons settled in Portland and another daughter settled in Eastern Washington. With this new generation, our family decided to continue to share our knowledge, and passion for the industry.
Davis Financial, LLC founer of Howie Davis 16 years of experience as a loan originator, and with degrees in finance and accounting, my background enables me to provide excellent service and sound advice to my clients. Customer service is the cornerstone of my business. I truly enjoy helping and educating clients about the loan process.
We offer many of the same banking products and services as big banks, like checking and savings accounts, mortgages and car loans; but we offer a better way to bank. If you're not receiving great service from your bank, we hope you'll vote with your feet and bank with us instead.
205 Southeast Spokane Street, Suite 300, Portland, OR, 97202
We are proud to be local mortgage brokers in Portland Oregon. With 2 owner/employees, each with 10+ years of experience, we work for our clients - not the banks. We offer you the flexibility and pricing advantages you need in today's market. Our focus is helping our clients succeed.
899 Tahoe Boulevard, Suite 500, Incline Village, NV, 89451
Lake Tahoe Mortgage provides residential mortgage loan origination services throughout all of Nevada and California. Our team is made up of knowledgeable and friendly loan officers with years of experience in the mortgage industry. We take the time to talk to you one-on-one, listen to your concerns
Apartment Loan Store, a division of Business Loan Store(link is external), is a Commercial Mortgage Banking and Advisory Firm since 1997. We are members of the Mortgage Bankers Association and lend in all 50 states. Our funds come from Fannie Mae, Freddie Mac, HUD, Life Companies, Capital Markets, Mortgage Backed Securities, Hedge Funds, Pension F
OnPoint Community Credit Union had modest beginnings in 1932: just 16 members and a total investment of $36. But, how we became the largest community-owned financial institution in Oregon, branching into Southwest Washington, is no accident. Our team is dedicated to making our members’ financial dreams a reality.
Forrit Credit Union was created in 1936 as Portland Federal Employee’s Credit Union. 45 founding members came together with the credit union philosophy of ‘people helping people’ to form a financial cooperative that could help provide them with personalized banking solutions. The resulting credit union’s mission — Forward Together.
