USDA and FHA Pro and Con in Marblehead, Essex County, MA

For the year 2025, the USDA loan limit in Marblehead, situated in Essex, MA, stands at $675,000. In comparison, the FHA loan limit for a single-family home is $828,000.

Utilize the Lendersa® USDA loan calculator to assess and compare the optimal current rates between USDA and FHA loans. Discover the income requirements, credit score criteria, reserves, and necessary documentation for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side to guide you in choosing the best financial program in .

Explore loan offers from a network of 100 lenders

2025 Loan Limits and Down Payment Details in Marblehead, Essex, MA

Loan Type Loan Limit Down payment
USDA $675,000 0%
FHA $828,000 3.5%
Conventional Conforming $828,000 3%

Explore USDA and FHA Loan Opportunities in Marblehead, MA

The mission of Lendersa® is to assist you in securing the most favorable USDA or FHA loan swiftly and conveniently. Choose from three pathways to find matching lenders and USDA loan programs tailor-suited to your needs.

Lendersa USDA loan request and results matching

Understanding USDA Loans in MA

A USDA home loan, backed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and it's exclusive to rural areas. Unlike FHA loans, which need a minimum down payment of 3.5%, USDA loans remove this requirement entirely.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Meridian Trust Federal Credit Union
  • 2223 Warren Ave., Cheyenne, WY, 82003
  • "Our mission is to help our members achieve their financial goals and dreams through: Personal Connections, Simple Solutions, & Lifetime Relationships. Our vision is to provide our members and community with the best personal service, the highest quality financial products, and the best overall value for a lifetime."
  • The State Bank
  • 124 Colorado Street, La Junta, CO, 81050
  • The State Bank is a financial institution located in La Junta, Colo. The bank offers a wide variety of checking and investment products and services to customers. It provides various checking products, including free checking, financial connection, Rediclub, business management and corporate accounts.
  • The Colorado Bank & Trust Company
  • 301 Colorado Ave, La Junta, CO, 81050
  • At Colorado Bank & Trust Company, we believe the customer always come first. No voice mail for our customers – every call is answered by an employee specially trained to get you the answers you need! The Bank opened its first branch in Pueblo, Colorado, on January 19, 2006. The new branch was built on the “Mesa” in eastern Pueblo.
  • Happy State Bank
  • 100 E Main St, Happy, TX, 79042
  • Happy State Bank began in 1908 in Happy, TX. While we’ve grown in size, locations, & assets, we like to keep the feel of a small-town Bank where everyone knows your name. Our core values are embedded in everything we do. You’ll notice these in our communications, in the way we serve our customers & communities & in the attitudes of our employees.
  • Converse County Bank WY
  • 322 Walnut St, Douglas, WY, 82633
  • Converse County Bank is able to offer the leading-edge financial products and services of today’s very busy world, we’re still local. Still providing safe harbor. Still committed to fulfilling the dreams of those we serve. We’re here when you need us, with our extended customer service hours.
  • Santa Fe Federal Credit Union
  • 7600 Hillside Road, Amarillo, TX, 79119
  • Santa Fe Federal Credit Union is a full-service credit union that is designed to meet all of your financial needs. Our roots are serving the BNSF railroad, but we have now made it possible for YOU to be a member too. From (really) free checking accounts to high interest rates on savings accounts and low interest on loans.
  • Spirit Mortgage
  • 4501 First United Bank Parkway, Amarillo, TX, 79119
  • Roots run deep in West Texas for First United Bank. In fact, all our roots are right here. Since beginning in 1907 as The First State Bank of Dimmitt to First United Bank today, our business model has always been focused on West Texas communities, the people who live and work here and their distinct financial needs.
  • Pamela Madore Mortgage
  • 3955 South Soncy, Amarillo, TX, 79119
  • Pamela Madore has had more than 30 years experience in the Real Estate and Mortgage Industry. Pamela Madore is a Keller Williams Global Property Specialist and is able to market your property throughout the world. She has lived in Maine, Florida and now Texas and has experience is the sales of recreational property, multi-family properties.