USDA and FHA Pro and Con in Epsom, Merrimack County, NH

In 2025, USDA loan limit in Epsom, county of Merrimack, NH is $350,000 while FHA limit is $472,030 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Epsom, county of Merrimack, NH

Loan Type Loan Limit Down payment
USDA $350,000 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Epsom, NH

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 New Hampshire?

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?



  • Luxury Mortgage Corp.
  • 18100 Von Karman Avenue, Suite 330, Irvine, CA, 92612
  • "Luxury Mortgage Corp® offers a wide array of adjustable and fixed rate mortgage products for loans on residential properties. As a mortgage lender, we have the ability to set customized pricing based on mortgage programs structured to suit individual needs. We have the power to lock in rate, approve, underwrite and close loans. "
  • 365 Home Lending
  • 18818 Teller Ave, #145, Irvine, CA, 92612
  • 365 Home Lending is a mortgage lending brokerage located in Southern California that focuses on residential purchase and refinance transactions. We are licensed with over a dozen major lenders which gives us the ability to shop the best rates and terms for our clients and in most cases offer top tier pricing.
  • Back Bay Funding
  • 19782 MacArthur Blvd, Suite 250, Irvine, CA, 92612
  • Back Bay Funding offers singular products from more than 40 wholesale and commercial lenders. As a broker/banker, we pride ourselves on providing funding solutions that are rarely available elsewhere. This allows us to serve a wide array of clients with dynamic financial situations
  • Easy Street Capital
  • 3333 Michelson Dr, Suite 300, Irvine, CA, 92612
  • Easy Street Capital is a relationship lender with loan programs for every borrower. Regardless of experience or credit, we can finance your next investment. Easy Street Capital has the solution, whether you are buying a property to fix up, building new construction, or generating cash flow from rental units. As a fully discretionary lender, we hav
  • NextU Lending
  • 19000 MacArthur Blvd., 7th Floor, Irvine, CA, 92612
  • NextUs Lending. The information in this document is intended for use by licensed mortgage bankers, brokers, and mortgage loans officers, and may not to be viewed, used, or relied upon by consumers. The information disclosed in this document is subject to change without notice. Not available in all states.
  • EquityFund Financial, Inc.
  • 2081 Business Center Drive #136, Irvine, CA, 92612
  • The team at EquityFund Financial has over 45 years of combined experience in real estate lending, finance, asset management, acquisition, and financial services. We have funded over $1 billion in real estate and investment transactions. Our broad base of skills and hands-on approach enable EquityFund Financial to recognize and offer well-underwritt
  • Center Street Lending
  • 18301 VON KARMAN STE 330, Irvine, CA, 92612
  • Center Street Lending is Private money residential lender that provides business-purpose loans for single-family and multi-family investments. and also Our management team has been involved in the financing of real estate since 1992 and has financed billions of dollars of residential real estate.
  • Credit Union of Southern California
  • PO Box 200, Whittier, CA, 90608
  • We’re a service staffed by friendly, helpful people who are here to help you achieve your financial goals and financially thrive . The financial industry is filled with people who can count. Our goal at CU SoCal is to be people you can count on. The people who work for us know they work for you.
  • Parsons Federal Credit Union
  • 100 West Walnut Street, Pasadena, CA, 91124
  • Parsons Federal Credit Union is made up of member-owners who take pride in where they bank. We have proudly served the financial needs of Parsons Corporation, its affiliates, and their family members since 1975. Today, we have expanded our footprint, delivering outstanding service to members located around the world through innovative technology
  • Caltech Employees Federal Credit Union
  • 515 S. Wilson Ave, Pasadena, CA, 91125
  • On April 11, 1950, seven Caltech employees established Caltech Employees Federal Credit Union (CEFCU). Each of these founding members contributed one share of $5 to the first pool of Credit Union money. After 70 years of service, the Credit Union has grown from those first seven-member accounts
  • Wescom Central Credit Union
  • PO Box 7058, Pasadena, CA, 91109
  • Since 1934, Wescom Credit Union has been dedicated to helping members throughout Southern California build better lives. Now with 24 branches, we provide essential banking solutions to more than 200, 000 members. Like all credit unions, Wescom is a non-profit financial cooperative, and our members are our owners.