USDA and FHA Pro and Con in Durham, Strafford County, NH

In 2025, the USDA loan limit for Durham, located in Strafford, NH, is set at $616,400, while the FHA cap for a single-family home is $828,000.

Utilize the Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today, determining the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side to choose the best option for your financial situation, including regions like .

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2025 Loan Limits and Down Payment Requirements in Durham, Strafford, NH

Loan Type Loan Limit Down Payment
USDA $616,400 0%
FHA $828,000 3.5%
Conventional Conforming $828,000 3%

USDA and FHA Loan Options in Durham, NH

Lendersa® strives to swiftly provide you with the optimal USDA or FHA loan, without hassle. Start by choosing one of three pathways leading to matched lenders and the USDA loan programs they offer.

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Understanding USDA Loans in NH

A USDA home loan, supported by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, is designated solely for rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans demand no down payment, offering significant advantages for eligible rural settings.

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



  • Legacy Bank & Trust Company
  • 3250 East Sunshine, Springfield, MO, 65804
  • Legacy Bank and Trust exists to serve as the financial leader in economic and community development by providing financial products and services in the largely underserved populations of Southcentral Missouri, and its employees and shareholders are committed to partnering financially with customers to ensure vital capital investment in these commun
  • Mercy Credit Union
  • 1444 E Sunshine, Springfield, MO, 65804
  • Mercy Credit Union is nonprofit savings and lending organization owned and operated by its members. It’s our pleasure to offer co-workers and their family members a local, convenient way to reach their financial goal – no matter how big or small. Membership is open to anyone affiliated with Mercy Health System. All employees.
  • Educational Community Credit Union
  • 1221 East Grand Street, Springfield, MO, 65804
  • Since 1938, Educational Community Credit Union (ECCU) has been helping members build long-term financial security. That is why the foundation of the credit union philosophy is "people helping people Educational Community Credit Union (ECCU) has been helping members build long-term financial security.
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  • 3310 E. Sunshine, Springfield, MO, 65804
  • At State Bank, we're proud of our history...but we don't rest on it. We were founded by local businessmen with a single, clear mission: Provide our customers with the best, most individualized service possible, always keeping the customer's best interest in mind. We are truly a local bank, focused on providing unparalleled service.
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  • 3211 E Battlefield St, Springfield, MO, 65804
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  • TelComm Credit Union
  • 2155 E. Sunshine Street, Springfield, MO, 65804
  • TelComm Credit Union is a not-for-profit financial cooperative where members receive many benefits, such as high savings rates, low loan rates, and the security and convenience of a sound financial institution. Readers of the Springfield News-Leader have voted TelComm the "Best Credit Union"​ in the Ozarks for the 13th year in a row.
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  • Steve Prince | Ideal Lending Solutions, Inc |
  • 5589 Okeechobee Blvd Ste #101,, West Palm Beach, FL, 33417
  • Ideal Lending Solutions specializes in residential mortgages with branches throughout Florida and North Carolina. Ideal Lending Solutions, a division of American Financial Network, Inc. is a Direct Lender with delegated authority to underwrite, fund and service Conventional, FHA, USDA, VA loan, and Jumbo loan products in house.