USDA and FHA Pro and Con in Ware, Hampshire County, MA
In 2025, the USDA loan limit for Ware in Hampshire county, MA, is set at $336,500. For a single-family home, the FHA limit stands at $472,030.
The Lendersa® USDA loan calculator is a useful tool for comparing USDA and FHA rates available today. It also assists in identifying the income, credit score, reserves, and necessary documentation required to meet qualification standards. Through our sophisticated mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, guiding you to the program in that is optimal for your specific financial needs.
2025 Loan Limits and Downpayment Needs in Ware, Hampshire, MA
Type of Loan
Maximum Loan
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
USDA and FHA Loan Alternatives in Ware, MA
At Lendersa®, our purpose is to help you swiftly find the best USDA or FHA loan with minimal difficulty. Begin with any of these three pathways that guide you to suitable lenders and fitting USDA loan programs:
The USDA home loan is a financial option backed by the government's Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage. This loan is exclusively offered in rural areas. In contrast to FHA loans that mandate a minimum down payment of 3.5%, USDA mortgages require no down payment.
Woodland Bank is a family owned bank that traces its roots back to the logging boom days in Northern Minnesota. The bank was chartered in 1920 as Shovel Lake State Bank by Fred Blais to serve the needs of his logging camp and area community of Shovel Lake, Minnesota. In 1924, the bank acquired and merged with the First State Bank of Swatara
Premier Credit Union is your community credit union located in Des Moines, Iowa with branch locations in West Des Moines and Ames. We’re proud to support our members with the financial resources, lending opportunities and digital banking solutions they need. Premier Credit Union began as Bankers Life Employees Credit Union on September 11, 1933.
Our membership is a closed membership limited to Polk County employees, Broadlawns Hospital employees, city of Altoona employees, Heartland AEA employees, and Fifth Judicial employees. We have been in existence since 1955. The credit union has assets totaling $7.27 Million and provides banking services to more than 700 members.
Federal Home Loan Bank of Des Moines is one of 11 regional Banks that make up the Federal Home Loan Bank (FHLBank) System. Established by Congress in 1932 to support mortgage lending, the FHLBanks are a stable source of funding for more than 7, 300 federally insured depository institutions of all sizes and types. Including Banks, Credit Unions.
For more than 100 years, Bankers Trust has been a leading financial institution for commercial and consumer banking services. Headquartered in Des Moines, Iowa, Bankers Trust is the largest privately held financial institution in the state, and employs 565 people across the country.
The Gooi Mortgage team has an extensive background in all functions of mortgage banking, including fulfillment and consulting services for lenders of all sizes.
We deliver a seamless, end-to-end fulfillment solution for smaller lenders, creating the best mortgage loan experience possible.
Serve Credit Union began serving Des Moines Police Officers in 1931 as the premier leader in financial services for law enforcement. Since inception, the credit union has expanded its field of membership to include first responders, government employees, school employees and their families
Des Moines Metro Credit Union was established in 1938 to serve the employees of the city of Des Moines. Throughout the years, we have grown to serve other large and small employer groups, such as Unity Point, DART, and Warren County. In 1997, we became a community credit union, which allows us to serve those who live and work in Polk County.
NFC provides unique lending programs & other services to facilitate neighborhood revitalization in Polk County & Cedar Rapids, Iowa through partnerships with residents, governments, community-based organizations, lending institutions & the business community. To date, NFC has provided more than $250, 000, 000 in loans and grants in its lending area
