In 2025, 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.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $675,000 | 0% |
| FHA | $828,000 | 3.5% |
| Conventional Conforming | $828,000 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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