USDA Vs. FHA Pro and Con comparison in Somerset, Bristol County, MA
As of 2025, the USDA loan cap for Somerset, located in Bristol County, MA, is set at $473,800, while the FHA ceiling is $661,250 for homes with one family.
Utilize Lendersa®'s USDA loan calculator to analyze current USDA and FHA rates, and gauge the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting in selecting the optimal program in for your financial needs.
2025 Loan Thresholds and Down Payment Details in Somerset, Bristol County, MA
Loan Type
Loan Limit
Down Payment
USDA
$473,800
0%
FHA
$661,250
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Somerset, MA
Lendersa® aspires to quickly secure you the most suitable USDA or FHA loans, ensuring a seamless process. Choose one of three avenues to connect with lenders and associated USDA loan schemes.
USDA home financing is a loan assured by the government via the Department of Agriculture, alternatively known as a USDA rural development loan or USDA mortgage, specifically available for rural communities. In contrast to FHA loans, which mandate a minimum down payment of 3.5%, USDA mortgages require no initial down payment, enabling broader access.
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