USDA VS FHA in Franklin, Merrimack County, NH

For 2025, the USDA loan limit in Franklin, within Merrimack, NH, is $350,000, whereas the FHA limit for a single-family home is $472,030.

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

Compare loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Franklin, 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 Franklin, NH

The mission of Lendersa® is to promptly deliver the optimal USDA or FHA loan without hassle. Select from one of three pathways that connect you with matched lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NH

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture. It is available only in rural neighborhoods. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA mortgages require none, offering significant benefits for eligible rural areas.

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



  • Absolute Mortgage Inc
  • 18002 Irvine Blvd, Suite 201, Tustin, CA, 92780
  • Absolute Mortgage 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.
  • 1st Reliant Home Loans Inc.
  • 3002 Dow Ave, Suite 202, Tustin, CA, 92780
  • 1st Reliant Home Loans With visionary leadership, expertise in the financial services sector, and an entrepreneurial spirit, our 1st Reliant corporate team has over 30 years of experience in the mortgage industry. Passionate about helping our clients achieve their lifestyle and financial goals.
  • Independent Funding Group
  • 202 Fashion Lane, Suite 106, Tustin, CA, 92780
  • The Independent Funding Group team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • LoanRx
  • 222 Fashion Lane, Suite 105, Tustin, CA, 92780
  • LoanRx A team of seasoned Loan Advisers who truly care for your needs. In 2018 Jenny Partnered up with Blaine Podkowa for Real Estate and Mortgage. Together, Jenny and Blaine Re Branded Vision Financial to LoanRx for Mortgage and built a Real estate team called "List". Jenny specializes in all aspects of Residential Real estate.
  • Consortium Equity
  • 17291 Irvine Boulevard, Suite 460, Tustin, CA, 92780
  • At Consortium Equity we recognize that our performance is a direct reflection on the broker in the eyes of their borrower. By working quickly, efficiently, and honestly we assure all parties involved a seamless and successful funding. A happy borrower will return to the broker to Refinance and by pleasing our broker we will earn future business.
  • American Home Loan Center
  • 17291 Irvine Blvd, Suite 158, Tustin, CA, 92780
  • Buenaventura Inc. dba American Home Loan Center, 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.
  • OC Home Loans and Finance
  • 17461 Irvine Boulevard, Suite S, Tustin, CA, 92780
  • OC Home providing clients with the highest quality financial services combined with the lowest rates available in your area. I will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan.
  • Advantage Mortgage Service
  • 100 West Main Street, Suite 10, Tustin, CA, 92780
  • Advantage Mortgage Service covers the full spectrum of requirements related to the title, appraisal, escrow and lender to ensure a smooth process for you to get the wisest structured and best tailored loan that meets your needs, whether it's a 30-year or 15-year (fixed or adjustable rate) or any type of specialty loan.
  • Falcon Investment and Loans, Inc
  • 151 Yorba St, Suite 100, Tustin, CA, 92780
  • We are a Premier Mortgage Banker specializing in all types of Mortgage loans. We have dedicated Loan Specialists and Realtors on staff to help you with pre approving clients for the best loan that will fit their needs as well as helping with the purchasing or selling of existing Real Estate.