USDA Vs. FHA Pro and Con comparison in Wenham, Essex County, MA

In 2025, USDA loan limit in Wenham, county of Essex, MA is $675,000 while FHA limit is $828,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Wenham, county of Essex, MA

Loan Type Loan Limit Down payment
USDA $675,000 0%
FHA $828,000 3.5%
Conventional Conforming $828,000 3%

USDA and FHA loan options in Wenham, MA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Massachusetts?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • J Stevens Mortgage
  • 2299 Pearl Street, Suite 208, Boulder, CO, 80302
  • With an established reputation for finding mortgage solutions through creative financing we offer personalized attention and focus on your unique individual financial needs to get the outcome that you are looking for. If you're buying a new home we can help you get pre-qualified and find out how much you can spend on your new home Purchase.
  • Premier Mortgage Group
  • 1844 Folsom St, Boulder, CO, 80302
  • A Colorado owned and operated company since 1986, Premier Mortgage Group, a division of Cherry Creek Mortgage Co., Inc., is one of the Rocky Mountain Region’s most trusted providers of home loans. Built on the hallmarks of integrity, excellence and dedication, we are committed to caring for our customers and building lifetime relationships
  • Credit Union of the Rockies
  • 1010 Johnson Road, Golden, CO, 80401
  • Credit Union of the Rockies is a member-owned, not-for-profit financial institution that provides financial services to people who have a common bond through occupation, association or community. We were established in 1937 to service the Farm Security Administration in Denver.We strive to enrich lives in our mountain communities while helping you.
  • On Tap Credit Union
  • 816 Washington Avenue, Golden, CO, 80401
  • On Tap Credit Union is a full-service financial institution with assets in excess of $360 million. With a robust online banking mobile platform as well as our Arvada and Golden branch locations, On Tap Credit Union has provided exceptional financial service to members for over 60 years.
  • Colorado Unified Lending
  • 2801 Youngfield St, Suite 300, Golden, CO, 80401
  • Colorado Unified Lending is committed to finding the right mortgage product for your needs. We understand that every borrower is unique, and we offer a variety of products to meet your individual requirements. We make securing a mortgage simple and straightforward by offering you the latest in financial tools to enable you.
  • TLJmortgage LLC
  • 1898 Denver West Ct, Suite 1225, Golden, CO, 80401
  • Tljmortgage LLC is a Colorado Limited-Liability Company filed On October 10, 2012. The company's filing status is listed as Good Standing and its File Number is 20121565463. The Registered Agent on file for this company is Teree L Johnson and is located at 1898 Denver West Ct Suite #1225, Golden, CO 80401.
  • Buffalo Federal Bank
  • 106 Fort Street, Buffalo, WY, 82834
  • In the late 1880's and early 1900's several associations were organized to make loans on homes and business property and to accept people's savings. Some of the names of these associations were Home Building and Loan Association, Johnson County Building and Loan Association and Buffalo Building and Loan Association.
  • First Northern Bank of Wyoming
  • 141 S. Main St, Buffalo, WY, 82834
  • First Northern Bank of Wyoming was founded in 1885 on the bedrock principle that our success would be solely dependent on that of our community and customers. From our origins in a humble, wood frame building with a starting capital of $50, 000, to our continuous growth throughout the last century.