USDA Vs. FHA Pro and Con comparison in Ludlow, Hampden County, MA
As of 2026, the USDA loan limit in the county of Hampden, located in Ludlow, MA, is set at $336,500. Simultaneously, the FHA loan limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the most competitive USDA and FHA rates available today. This tool will identify income requirements, credit scores, reserves, and documents necessary for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans side-by-side, guiding you to select the optimal program for your financial needs in .
Loan limits and downpayment necessities in Ludlow, Hampden, MA - 2026
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA loan options in Ludlow, MA
The mission of Lendersa® is to secure for you the most advantageous USDA or FHA loan, quickly and efficiently. Choose among three starting options to connect with lenders and discover USDA loan opportunities.
USDA home loans, backed by the government through the Department of Agriculture—sometimes referred to as USDA rural development loans or USDA mortgages—are exclusively for properties in rural regions. FHA loans, by contrast, require a down payment of at least 3.5%, whereas USDA loans do not mandate any down payment at all.
67-1153 Mamalahoa Hwy, Suite 3, Kamuela, HI, 96743
eMortgage Hawaii offers the lowest rates and the fastest turn times in Hawaii. Once you provide us with the requested documents, we will have your conditional loan approval within 24 - 48 hours. eMortgage Hawaii's committed to helping you find the right mortgage product for your needs. We understand that every borrower is different,
Whether you are in need of new financing or a refinance on your existing property; whatever your mortgage loan needs, and anywhere they may be, (including the communities of Maui any of our other service areas), Avis Mortgage can assist you by providing you with our top-notch service and expertise.
At First Hawaiian Mortgage. We are located in Lahaina, Maui but service the entire State of Hawaii. First Hawaiian Mortgage is a correspondent lender offering Fannie Mae, Freddie Mac, FHA, VA, USDA products and we have aligned ourselves with portfolio lenders so we can offer a full range of loan products
Aloha, The Molokai Community Federal Credit Union is a member owned Financial Cooperative Credit with over 3,900 members providing financial products and services since 1951.
Whether you need help financing a new car, establishing credit, setting up an IRA, or just opening a new share draft account, your Credit Union can help you
By 1991, a decade after acquiring Kohala Federal Credit Union, we became Hawaii Community Federal Credit Union and soon expanded membership to the entire Hawaii Island. We are exponentially larger than we were in the beginning but we continue to hold true to our fundamental philosophy – a group of people joining together to help each other succeed.
At Island Home Capital, our mission is to provide you with the necessary knowledge to make an informed, economic decision. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism
APEX Mortgage LLC (NMLS 217406) originates mortgage loans thru their owner and licensed Mortgage Loan Originator, Barbara A Welsh (NMLS 224003). Barbara has been assisting Big Island property owners with loans for the purchase, refinance, construction and reverse mortgage needs for the past 28 years.
Established in 1938, the Lāna’i Federal Credit Union, originally known as HAPCO Lāna’i Federal Credit Union, was organized to serve the employees of the Hawaiian Pineapple Company, on the island of Lāna’i, Hawaii. Lāna’i was once the largest pineapple plantation, producing 90% of the world’s pineapple during the 1950s – 1970s.
56-576 Kamehameha Highway, Suite A, Kahuku, HI, 96731
Kahuku FCU was chartered on July 28, 1937 to serve the employees of the Kahuku Plantation Company, a cane sugar plantation. The plantation ceased operations in 1971, and on June 1, 1972 the credit union’s charter was amended to include residents who lived near the local post office.
Ko'olau Federal Credit Union is located in Honolulu County of Hawaii state. On the street of Mokapu Road and street number is 6699. To communicate or ask something with the place, the Phone number is (808) 254-3566.
The coordinates that you can use in navigation applications to get to find Ko'olau Federal Credit Union
The HG Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
