In 2026, the USDA loan cap in West-Newbury, situated in the county of Essex, MA, is $579,600, whereas the FHA limit for a single-family home sits at $724,500.
Utilize the Lendersa® USDA loan calculator to examine the prevailing USDA versus FHA rates, determining essential income, credit, financial reserves, and documents required for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loan types side by side, aiding in selecting the best program in
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| Loan Type | Maximum Loan Limit | Down Payment | |
| USDA | $579,600 | 0% | |
| FHA | $724,500 | 3.5% | |
| Conventional Conforming | $724,500 | 3% |
The main aim of Lendersa® is to provide you with the best possible USDA or FHA loans without any hassle and in a timely manner. Start by choosing one of three approaches that lead to matching lenders with USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, is also referred to as a USDA rural development loan or simply a USDA mortgage, and it is intended strictly for rural areas. Unlike FHA loans that necessitate at least a 3.5% down payment, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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