In the year 2026, the USDA loan limit for Swampscott in the county of Essex, MA, is $675,000. Conversely, the FHA loan limit for a single-family home is set at $828,000.
Lendersa® provides a USDA loan calculator that allows you to compare the current rates between USDA and FHA loans. It also helps ascertain the qualifications needed concerning income, credit score, reserves, and necessary documentation. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loan programs side by side, assisting you to choose the appropriate option in Alabama tailored to your financial needs.
Loan limits and down payment requirements for 2026 in Swampscott, county of Essex, MA
Loan Type
Loan Limit
Down Payment
USDA
$675,000
0%
FHA
$828,000
3.5%
Conventional Conforming
$828,000
3%
Exploring USDA and FHA loan options in Swampscott, MA
Lendersa® strives to facilitate the acquisition of the most advantageous USDA or FHA loan swiftly and with minimal inconvenience. You can initiate the process by selecting from three available methods that align with corresponding lenders and USDA loan offerings.
A USDA home loan is a government-backed loan by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. In contrast to FHA loans that necessitate a minimum down payment of 3.5%, a USDA mortgage requires no down payment at all.
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