USDA Vs. FHA Pro and Con comparison in South-Hadley, Hampshire County, MA
For 2026, the limit on USDA loans in South-Hadley, situated within Hampshire County, MA, stands at $285,000, whereas the FHA limit for a single-family house is $356,362.
With the Lendersa® USDA loan calculator, you can compare the best current rates between USDA and FHA loans. Determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you select the best program in for your situation.
2026 Loan Limits and Down Payment Requirements in South-Hadley, Hampshire 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 Alternatives in South-Hadley, MA
Lendersa® aims to provide the most suitable USDA or FHA loans quickly and efficiently. Choose from three starting paths that connect you with relevant lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, commonly referred to as a USDA rural development loan. This type of mortgage is exclusively for rural areas. In contrast with FHA loans that require a minimum of 3.5% down, USDA loans need no down payment, offering broader access.
Park Grove Lending, LLC, where we specialize in residential mortgages. At Park Grove Lending, LLC, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
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We've been helping customers afford the home of their dreams for many years and we love what we do. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
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Cheney Federal Credit Union has been serving members and our local community since 1951. We provide convenient and low-cost financial services to those who live, work, worship or attend school in the Cheney and Medical Lake School Districts and their immediate family members. CFCU is a member-owned, not-for-profit financial institution.
For over six decades Northwest Christian Credit Union has served the banking needs of Christians throughout the Treasure Valley and across the Northwest. People of common faith, common values and common purpose turn to the credit union for matters large and small. From everyday financial transactions, to once in a lifetime opportunities,
