USDA Vs. FHA your options comparison in North-Adams, Berkshire County, MA

For 2025, the USDA loan limit in North-Adams, located in Berkshire County, MA, stands at $285,000. Meanwhile, the FHA limit for a single-family residence is $356,362.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates. Determine the required income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, assisting you in choosing the right financial solution in for your needs.

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2025 Loan Limits and Down Payment Requirements in North-Adams, Berkshire County, MA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in North-Adams, MA

The goal of Lendersa® is to connect you with the best USDA or FHA loans swiftly and with ease. Choose one of three pathways that will link you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

A USDA home loan is a government-guaranteed mortgage through the Department of Agriculture, also known as a USDA rural development loan. Available only in rural locales, this mortgage doesn't require a down payment, differing from FHA loans which mandate a minimum of 3.5% down, making homeownership more accessible.

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



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