As of 2025, 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
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| Loan Type | Loan Limit | Down payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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