USDA and FHA Pro and Con in Pittsfield, Berkshire County, MA
In the year 2026, within Pittsfield, Berkshire county of MA, the USDA loan cap is $336,500. Conversely, the FHA loan limit for a single-family residence is $472,030.
Employ the Lendersa® USDA loan calculator to evaluate the top USDA versus FHA rates currently available, and determine the necessary income, credit score, reserves, and documentation to qualify. Our enhanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, helping you identify the best program for your specific financial situation in .
2026 Loan Limits and Down Payment Requirements in Pittsfield, Berkshire, MA
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Pittsfield, MA
Lendersa® aims to secure the most favorable USDA or FHA loan quickly and easily. Select among three starting points that connect you with lenders while exploring USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, is also known as the USDA rural development loan. This mortgage option, designed exclusively for rural locations, requires no down payment, unlike FHA loans that have a minimum requirement of 3.5% down.
At MyCom FCU we offer competitive rates on auto loans as well as above average interest rates for Certificates of Deposit and Money Market Accounts Our Mission is to continue to promote the basic principle of people helping people, while providing services that meet the diverse and ever changing needs of our membership
Greylock Federal Credit Union is an independent company, wholly owned by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements
The Pittsfield Cooperative Bank marks over 130 years in business. The Bank has grown quietly and steadily over the years with the unwavering commitment to its customers, employees, and communities. Our story is of family homes funded and dreams realized, and of providing assistance to businesses and entrepreneurs.
Lee Bank Our vision is to remain an independent full service bank, provide premier financial services, and deliver a level of customer service that is superior to any other business you may deal with. Because of our independence, we make all our decisions locally, and offer flexible products and services to meet your specific needs
Adams Community Bank is a responsive, community-focused, mutually owned savings bank providing premier banking services to the people and businesses of the Berkshires. Headquartered in Adams, MA, we have 8 full-service branch locations in Adams, North Adams, Williamstown, Cheshire, Lanesborough, Lenox, and Lee.
MountainOne is dedicated to the local communities we serve, with a mission of delivering solutions of real value that help individuals, businesses, and community institutions manage their financial lives with clarity & confidence. Founded in 1848, MountainOne Bank provides a complete array of personal and business banking and electronic services.
