USDA Loan Vs. FHA loan for Topsfield, MA 2026

In 2026, the USDA loan limit for Topsfield, within Essex, MA, is $675,000, whereas the FHA limit for a single-family home is $828,000.

Utilize the Lendersa® USDA loan calculator to evaluate the best current USDA versus FHA rates, and uncover the essential income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA plans side by side, aiding you in selecting the optimal program for your financial needs, especially if you're in Alabama.

Exploring USDA and FHA Loan Opportunities in Topsfield, MA

Lendersa® aims to quickly secure you the best possible USDA or FHA loan options, avoiding hassle. Start by choosing one of the three entry points to connect with relevant lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Your Guide to USDA Loans in MA

A USDA home loan, supported by the Department of Agriculture and commonly referred to as a USDA rural development loan or mortgage, is exclusive to rural locations. Rather than requiring a 3.5% minimum down payment like FHA loans, a USDA loan requires no down payment at all.

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(617) 387-1110 Lender's profile and map Reviews Everett Co-operative Bank 419 Broadway, Everett, MA, 02149 Everett Banks’ loyalty to our customers and friends is the foundation of our business. We're proud to be a part of this local heritage and have enjoyed working to help our communities grow and prosper. Our goal is to form long-lasting relationships by providing customers with better, more convenient products and services.
(617) 394-9179 Lender's profile and map Reviews MJ Mortgage Corporation 627 Broadway, Everett, MA, 02149 MJ Mortgage has licenses to operate in Florida, Massachusetts, and New Hampshire.Our process is fast, practical, and efficient, with record time for processing documents with the bank, in less than 20 days! We are the ideal Mortgage company for anyone who wants to buy or invest in. Make yourself at home
(617) 394-9177 Lender's profile and map Reviews MJ MORTGAGE 627 Broadway, Everett, MA, 02149 We are here to offer our experience and expertise in mortgage lending. Our Loan Officers are working for you! With helpful guides through the lending process, our experienced staff will guide you has access to a full range of mortgage sources. Together with there know-how and all of our lending specialists are dedicated to finding the right loan
(781) 905-1500 Lender's profile and map Reviews Members Plus Credit Union 29 High Street, Medford, MA, 02155 Members Plus Credit Union is a community-chartered credit union owned by over 14, 000 members with branches in Medford, Dorchester, Everett, Norwood and Plymouth. The Credit Union, like all credit unions, is a not-for-profit cooperative. It is owned, managed and operated by members. Our mission is to provide quality, innovative, competitive,
(617) 884-3599 Lender's profile and map Reviews Chelsea Employees FCU 205 City Hall Avenue, Chelsea, MA, 02150 Our mission is to offer to our members a pleasant experience while providing them access to the financial services that meet their changing needs.In the spirit of that Mission Statement, the Chelsea Employees Federal Credit Union is proud to offer our members access to Home Financial Services through this web site.
(617) 942-2428 Lender's profile and map Reviews Boston Mortgage Services, LLC 471 Eastern Avenue, Chelsea, MA, 02150 Boston Mortgage Services, LLC (BMS, LLC) was initiated in 2016. Founder and owner, Elba Rojas, has been in the mortgage and banking industry since the year 1993. Our business model is to ease the process of home purchasing for our clients. We are very happy to be here and serve you the best food possible.
(877) 696-3876 Lender's profile and map Reviews Metro Credit Union 200 Revere Beach, Parkway Chelsea, MA, 02150 Founded in 1926 and headquartered in Chelsea, Metro is a cooperative financial institution, owned and controlled by the members who use and benefit from our products and services. Since 1926, Metro Credit Union has been providing financial services to more than 200, 000 members in our communities throughout Massachusetts.
(978) 667-2434 Lender's profile and map Reviews Billerica Municipal Employees Credit Union 365 Boston Road, Suite 107, Billerica, MA, 01821 BMECU now offers now offers 24/7 mortgage approvals on-line with MortgageClick®, a full-service mortgage approval solution. Even before starting the application you can research loan options based on your financial information. MortgageClick® also contains loan calculators and educational information on the home-buying process
(978) 459-9000 Lender's profile and map Reviews Enterprise Bank and Trust Company 222 Merrimack Street, Lowell, MA, 01852 Enterprise Bank was founded through the entrepreneurial vision of George L. Duncan in 1988. We are headquartered in Lowell, Massachusetts, with branch locations throughout the Merrimack Valley and North Central regions of Massachusetts, as well as Southern New Hampshire.For over 30 years, Enterprise Bank has been supporting the financial needs of b
(978) 452-1300 Lender's profile and map Reviews The Lowell Five Cent Savings Bank 34 John Street, Lowell, MA, 01852 Locally governed and managed with over 165 years of strength and stability, Lowell Five is a service-oriented community bank providing comprehensive mortgage and loan products in excess of $20 million, extensive deposit and cash management products and services, and investment and insurance products for individuals, businesses, municipalities
(978) 328-5100 Lender's profile and map Reviews Mills42 Federal Credit Union 83 Merrimack Street, Lowell, MA, 01852 We are a small but mighty federal credit union serving Greater Lowell, Massachusetts and surrounding communities. And we’re standing ready to help you achieve your financial goals. Whether it be through sitting down with you to create a budget or working with you to buy your first home, our focus is to help you build from here.
(877) 530-9782 Lender's profile and map Reviews Align Credit Union 40 Market Street, Lowell, MA, 01852 "Since 1922, Align Credit Union has provided customized banking solutions to individuals and families throughout Northeastern Massachusetts and Southern New Hampshire. Align offers a full suite of products and services including Personal and Business Banking, Mortgages, Financial Planning and Insurance."