During 2026, the USDA loan cap in Southampton, within Hampshire county of MA, is set at $336,500. In contrast, the FHA limit for a single-family residence is $472,030.
By utilizing the Lendersa® USDA loan calculator, you can effectively compare the prevailing USDA rates against FHA rates, and ascertain the income, credit score, reserves, and necessary documentation required for eligibility. Our comprehensive mortgage calculator features a side-by-side comparison of USDA, FHA, Conforming, and VA programs, helping you make an informed choice regarding the best option for your unique financial needs, particularly in Alabama.
Understanding 2026 loan limits and downpayment requirements in Southampton, Hampshire, MA
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 alternatives in Southampton, MA
The intention of Lendersa® is to facilitate your access to optimal USDA or FHA loans swiftly and effortlessly. You can begin from any of three available starting points that guide you towards connecting with lenders and USDA loan options.
The USDA home loan, supported by the federal Department of Agriculture, commonly referred to as the USDA rural development loan or USDA mortgage, is exclusively accessible within rural areas. In contrast to FHA loans, which mandate a minimum down payment of 3.5%, the USDA mortgage loan requires no down payment at all, providing a significant advantage to eligible applicants.
Westfield Bank is a federally chartered stock savings bank headquartered in Westfield, Massachusetts. Founded in 1853, Westfield Bank offers a comprehensive line of commercial and personal banking products and services to customers in Western Massachusetts and Northern Connecticut.
Holyoke Credit Union was organized in 1911 as a Massachusetts state-chartered credit union to deliver a full assortment of consumer banking services to its members. Today, Holyoke Credit Union is chartered by the Commonwealth of Massachusetts and regulated by the Massachusetts Division of Banks.
Our commitment to sound banking, combined with our promise to provide the best service available, has made us one of the fastest growing banks in our area.
Florence Bank remains committed to serving the community as a local bank. The bank is depositor owned and its Directors and Corporators are all actively involved in the local community.
the Polish National Credit Union has grown to meet the needs of our communities. We opened our doors at 222 Exchange Street in Chicopee in an office shared with a real estate and insurance firm owned by Felix Furtek, our first president. In 1942, we moved to 228 Exchange Street and then to a new building located at 244 Exchange Street in 1967
Alden Credit Union has been providing outstanding banking services to our member/owners since 1939. While our outlook and approach to customer service remains local, our reach is truly without boundaries. Whether you are looking to save or looking to borrow; one thing is certain, Alden will give you the absolute best value
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.
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.
One Monarch Place, 22nd Floor, Suite 2200, Springfield, MA, 01144
Lends in Massachusetts
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
We provide financing to real estate investors. We work in many different asset classes including - 1-4 Family Residential, Multi Family, Commercial properties. We pride ourselves being steadfast in our pursuit to meet our clients needs, and are committed to upholding our three core principles. Service, Pricing, Continuous Improvement.
