USDA and FHA Pro and Con in Sheffield, Berkshire County, MA

In 2025, the USDA loan limit for Sheffield, within Berkshire county, MA, stands at $336,500. For a single-family home, the FHA loan limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA loans, determining the income, credit reserves, and documents necessary for qualification. Our comprehensive mortgage calculator allows you to review USDA, FHA, Conforming, and VA loans side by side, enabling you to find the best program for your financial situation in Alabama.

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2025 Loan Limits and Downpayment Requirements in Sheffield, MA County

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 Sheffield, MA

The aim of Lendersa® is to secure you the best possible USDA or FHA loan quickly and effortlessly. Choose from one of three starting points to connect with matching lenders and USDA loan programs.

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Understanding USDA Loans in MA

A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage requires none.

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



  • Homeownership Solutions LLC
  • 164 Newington Road, West Hartford, CT, 06110
  • At Homeownership Solutions, LLC, we serve a variety of clientele and provide financing for both residential and commercial real estate. We have a wide spectrum of programs catered to meet even the most challenging of financial needs. Whether you are a first time buyer or even a savvy real estate investor purchasing investment properties
  • Waterbury Postal Employees Federal Credit Union
  • 135 Grand Street, Room 209, Waterbury, CT, 06720
  • Waterbury Postal Employees Federal Credit Union has been serving United States Postal Service employees in Waterbury and Naugatuck, their families, and our community in the "Brass City" since 1939. We're here to help our members achieve and maintain financial stability and success — now and into the future.
  • Greater Waterbury Healthcare Federal Credit Union
  • 64 Robbins St, Waterbury, CT, 06708
  • Greater Waterbury Healthcare FCU is a member-owned financial institution committed to the international credit union philosophy of “People Helping People.” That means we aim to help you build your financial stability. And we do that by returning profits to members in the form of lower loan rates, higher savings rates, little or no service charges.
  • FD Community Federal Credit Union
  • 601 Watertown Avenue, Waterbury, CT, 06708
  • FD Community Federal Credit Union is the oldest financial institution home based in Waterbury. We are a well established community institution in existence since 1934, providing the highest level of personal service and the most affordable financial services in the Greater Waterbury area.
  • Mortgage Services, Inc
  • 193 Grand Street, Waterbury, CT, 06702
  • "We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending"
  • Waterbury CT Teachers Federal Credit Union
  • 773 Straits Turnpike, Middlebury, CT, 06762
  • Waterbury CT Teachers Federal Credit Union (WCTFCU) is a member-owned, not-for-profit financial institution offering personal accounts, loans, and credit cards, with competitive rates and exceptional service, to our members. Our 19, 000+ membership includes current, former & retired teachers, school staff, administrators, and their families.
  • Pioneer Valley Credit Union
  • 246 Brookdale Drive, Springfield, MA, 01104
  • Our mission is to provide products and services to our members with the goal of empowering them to understand the importance of financial stability and security, while offering tools to make sound financial decisions. Our vision is to be the pioneer of cutting edge financial products while maintaining exclusive membership benefits.
  • Arrha Credit Union
  • 145 Industry Avenue, Springfield, MA, 01104
  • We’re member-owned and operated so you’ll always feel at home here. Arrha Credit Union is regarded as the premier educational base credit union in the Western Massachusetts financial community. Our Mission is to assist our members in reaching their financial goals by providing superior products and services in a personalized manner.
  • TEG Federal Credit Union
  • 1 Commerce Street, Poughkeepsie, NY, 12603
  • TEG Federal Credit Union is a local, member-owned, not-for-profit, full-service community financial institution open to all those who live, work, worship or attend school in Dutchess, Orange, Ulster, Sullivan, Putnam, Rockland and Westchester County in New York. Since 1969, TEG has been a steady source of financial services to its members.
  • Police Credit Union of CT
  • 253 High Street, Hartford, CT, 06103
  • We do what banks do, but with better rates & lower fees. Open to ALL Law enforcement in the State of Connecticut. Skilled employees giving great services. We hope to become a statewide police credit union, serving all law enforcement in the state.All police departments are invited to partner with us as to provide police-oriented financial services.
  • General Merchant Funding
  • 150 Trumbull Street, 4th Floor, Hartford, CT, 06103
  • General Merchant Funding was established with the mission of offering small businesses access to fairly priced funding options. GMF is the best solution for small businesses unable to qualify for traditional funding. By assessing your business' monthly cash flow, GMF enables you to use the strength of your cash flow to manage demands for capital.
  • Sojourn Mortgage Company, LLC
  • 15 Lewis Street, Suite 402, Hartford, CT, 06103
  • Sojourn Mortgage Company. We work closely with home buyers throughout the lending process. Sojourn Mortgage Company LLC Founder Paula Mercier explains, “The goal of Sojourn Mortgage is to deliver such high-quality service that clients will want to recommended us to their friends and family.