USDA and FHA Pro and Con in Amherst, Hillsborough County, NH

For 2026, the USDA loan upper limit in Amherst, in Hillsborough county, NH, is marked at $350,000, while the FHA cap stands at $477,250 for single-family homes.

Utilize Lendersa® USDA loan calculator for a side-by-side comparison of today's USDA and FHA rates. Determine the income, credit, reserves, and documentation required to qualify. With our advanced mortgage tool, you can weigh USDA, FHA, Conforming, and VA loans together to find out which scheme in best suits your financial requirements.

Explore loan options from 100 different lenders

2026 Loan Boundaries and Down Payment Conditions in Amherst, Hillsborough, NH

Type Limit Initial Payment
USDA $350,000 0%
FHA $477,250 3.5%
Conforming $726,200 3%

Choosing USDA and FHA Loans in Amherst, NH

Lendersa® aims to secure you the ideal USDA or FHA loan swiftly and without fuss. Choose from three starting options for finding lenders and USDA loan solutions.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NH

USDA home loans, insured by the U.S. Department of Agriculture, are also known as USDA rural development loans or mortgages. They are exclusive to rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none.

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



  • Kearney Trust Company
  • 310 West 92 Highway, Kearney, MO, 64060
  • Kearney Trust Company commit to consistently strive to uphold integrity, trust and exemplary service. We promise to engage in a continuous pursuit in the creation of an atmosphere in which the company can prosper and profit while serving the needs of the community and customers. Our first location was on the southwest corner of Washington.

  • Raymond James Bank
  • 710 Carillon Parkway, Saint Petersburg, FL, 33716
  • Raymond James Bank is about more than just Banking. Through our holistic approach to finance, we offer innovative and diversified products and services to the public and to clients of Raymond James Financial. Additionally, as an affiliate of Raymond James, our Bank is founded on the same core values of integrity, independence.

  • Azulow
  • 970 Lake Carillon Drive, Suite 300, Saint Petersburg, FL, 33716
  • Azulow is a St. Petersburg local business founded in 2020. It was established to change the mortgage industry to make the home buying experience agile and reduce the layers of costly fees for customers. With our technology and commitment to excellence, Azulow is recognized as one of the top fast-growing companies in the Tampa Bay Area.

  • Full Cycle Funding
  • 10300 49th St N, Suite 201, Clearwater, FL, 33762
  • Full Cycle Funding Income Fund provides senior-secured mortgage loans for real estate professionals, built by real estate professionals. As true lenders, we fund and service our own capital, allowing us to understand your unique needs and provide execution where others cannot. Because we don’t sell our loans onward, we maintain the flexibility to close complex deals and act as a reliable long-term partner for your business-purpose projects.

  • Velocity Community Credit Union
  • 2801 PGA Boulevard, Palm Beach Gardens, FL, 33410
  • Velocity Community Credit Union is a progressive, full service financial institution that is passionate about helping its members. As a not-for-profit co-op, our dedicated employees can concentrate on providing superior service to our members while offering a full suite of products to meet all of their financial needs.

  • New Florida Mortgage LLC
  • 800 Village Square Crossing, Suite 322, Palm Beach Gardens, FL, 33410
  • New Florida Mortgage is a mortgage powerhouse! Our principals began this journey a couple decades ago and have grown this operation due to excellent relationships with our clients and professional business contacts. We started out small, with just a couple of people and a small office, but today we aspire to greater things.

  • Dockside Loans LLC
  • 11952 Catalpha Avenue, Palm Beach Gardens, FL, 33410
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.

  • Highlands Residential Mortgage, Ltd.
  • 300 Village Square Crossing Suite 101, Palm Beach Gardens, FL, 33410
  • Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally

  • Arch Mortgage Corporation
  • 2560 RCA Boulevard, Suite 114, Palm Beach Gardens, FL, 33410
  • "Arch Mortgage, you are an esteemed customer and as such we promise to treat you with respect to provide you the service you want & that you deserve. We understand the commitment you are making whether buying your dream home, refinancing your current home, or pulling equity out for improvements.
    From the first question to the closing table"

  • My Liberty Loans Inc
  • 8409 N Military Trail STE 115, Palm Beach Gardens, FL, 33410
  • My Liberty Loans is here to help you through the entire home loans process in Palm beach Gardens, FL. We have an extensive list of lenders that we work with to provide you with the best option for your mortgage needs. Our highly trained staff is committed to be there for you every step of the way.