USDA Vs. FHA your options comparison in Concord, Merrimack County, NH
For the year 2026, the USDA loan limit in the city of Concord, located in the county of Merrimack, NH, stands at $350,000. Meanwhile, the FHA loan limit for a single-family home is set at $472,030.
Using Lendersa®'s USDA loan calculator gives you the ability to compare the current USDA and FHA rates, as well as determine the income, credit, reserves, and documentation necessary for qualification. With our sophisticated mortgage calculator, you'll get a side-by-side look at USDA, FHA, Conforming, and VA loans, aiding your decision on the optimal program in for your financial setup.
2026 Loan Limits and Down Payment Requirements in Concord, Merrimack, NH
Loan Type
Loan Limit
Down Payment
USDA
$350,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loans in Concord, NH
The aim at Lendersa® is to help you secure the most beneficial USDA or FHA loan swiftly and stress-free. Begin with one of our three approaches that lead to matching lenders and available USDA programs.
A USDA home loan, backed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is specifically available for rural areas. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA loans do not require any down payment at all.
At Ledyard, you get more than just bankers with knowledge, expertise and local decision-making capabilities. Ledyard offers true partnerships. Every member of our team is part of the community, providing us with the additional insight to develop personalized solutions for each client. Individuals and families have come to rely on us to provide
The New Hampshire Community Loan Fund turns investments and donations into loans and education that create opportunity and transform lives across the Granite State. We loan directly to, and on behalf of, people with low and moderate incomes to create and preserve affordable housing, good jobs, and child care and other vital community services.
NH Federal Credit Union is a full-service financial institution. You will find some of the best rates for savings and loans in NH, along with very low fees. As a not-for-profit financial cooperative, we are owned by the people we serve - the employees and immediate family members of more than 150 employers throughout NH.
EDvestinU - New Hampshire Higher Education Loan Corporation (NHHELCO)
4 Barrell Court, Concord, NH, 03301
Lends in New Hampshire
EDvestinU® is the private student loan program of the nonprofit NHHEAF Network. EDvestinU’s mission is to provide affordable college funding options to students nationwide. With industry–leading rates and nationally recognized loan servicing, students, parents & post-secondary schools can have every confidence that EDvestinU borrowers are provided.
The New Hampshire Higher Education Assistance Foundation (NHHEAF) Network has nearly 60 years of experience in helping New Hampshire families plan and pay for higher education. The NHHEAF Network aspires to be recognized as a capable, trusted, and innovative leader in educational loan services that enhance the promotion.
Franklin Savings Bank is committed to fulfilling the financial services needs of the families and businesses in New Hampshire. We consistently deliver superior quality service that exceeds the expectations of our customers. As an community savings bank, we acknowledge the importance of improving our customers' financial position.
45 Londonderry Turnpike, Suite 1, Hooksett, NH, 03106
Lends in New Hampshire
"Homestead Mortgage, LLC is committed to helping you find the right mortgage product for your needs and to exceeding your expectations for outstanding customer service.
We understand that every borrower is different, and our clients have access to the widest array of programs and options,"
Our mission is to remain an independent mutual financial institution, delivering innovative solutions and exceptional service, while assisting our employees, customers and communities to build brighter futures. Bank of New Hampshire has been a mutual banking organization focused on our depositors and accountable to our communities.
St. Mary's Bank is proud of its heritage. For just over a century, we've been helping New Hampshire individuals, families, and businesses with a wide range of financial products and services, including checking accounts, personal loans, real estate loans, business banking, and savvy financial planning.
