USDA Vs. FHA Pro and Con comparison in Henniker, Merrimack County, NH

In the year 2025, the USDA loan limit for Henniker in the county of Merrimack, NH, stands at $350,000, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator today to compare the most competitive rates between USDA and FHA loans, and to understand the income, credit, reserves, and documentation requirements necessary to qualify. This advanced mortgage calculator presents a side-by-side view of USDA, FHA, Conforming, and VA programs, allowing you to choose the most fitting option for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Henniker, in the county of Merrimack, NH

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

USDA and FHA Loan Choices in Henniker, NH

The aim of Lendersa® is to swiftly offer you the best USDA or FHA loan options with ease. You can choose from three initial paths to align with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NH

A USDA home loan, backed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is designed exclusively for rural neighborhoods. Unlike the FHA loans, which demand a minimum down payment of 3.5%, the USDA mortgage loan requires absolutely no down payment.

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



  • IC Federal Credit Union - Main Office
  • 300 Bemis Road, Fitchburg, MA, 01420
  • We are a full-service Credit Union, but more importantly, we’re people like you, helping people like you. Yes…we have checking and saving accounts; auto loans and mortgages…you get the gist. But what we pride ourselves most on is helping you through every stage of your life. IC was founded in 1928.
  • GFA Federal Credit Union
  • 229 Parker St, Gardner, MA, 01440
  • GFA Federal Credit Union is a full service, Member-owned, community financial institution serving Central Massachusetts & Southern New Hampshire, with branch locations in Ashburnham, Gardner, Hubbardston, Keene, Leominster, Peterborough, Rindge, Rutland & Winchendon. Offering Personal, Business, Investment & Insurance solutions to help buy a home.
  • Title Mortgage Solution
  • 7 Lebanon Street, Suite 105, Hanover, NH, 03755
  • We have consistently offered the best combination of competitive rates, closing costs, and the widest range of unique and creative loan programs, all while providing the highest level of local service which is so important.We are proud to have closed over a billion dollars in loans, and have helped finance thousands of families.
  • Legacy Mortgage, LLC
  • 2 Buck Rd, Suite L, Hanover, NH, 03755
  • Founded in 2021 by longtime Upper Valley mortgage professionals Rob Messenger and Jessica Irwin, Legacy Mortgage LLC provides buyers with unique insight into the local market, a combined 70 years of experience, and access to a network of lending professionals that can make all the difference in securing the most optimal combination of rates
  • Profile Bank
  • 45 Wakefield Street, Rochester, NH, 03867
  • Profile Bank dedicates itself to serving the needs of our surrounding communities. We offer a broad range of financial products and services while providing each customer with the highest level of personal service. Our efforts are focused on helping those within our area. We were formed in 1907 as People’s Building and Loan Association.
  • Everlasting Capital Corporation
  • 27B Sterling Dr, Rochester, NH, 03867
  • Everlasting Capital is a national business finance solutions provider, redefining lending and financing by providing outstanding customer experiences and innovative, world-class services with creative financing options. Everlasting Capital is your number one source for getting any deal done with the highest level of expertise
  • Holy Rosary Credit Union - HRCU
  • 133 Brock St, Rochester, NH, 03867
  • HRCU is a federally insured community credit union. We serve our members by providing quality financial services, which meet their needs in a professional, personalized and courteous manner. We provide competitive rates on loans, savings and investments, and access to products and services using the latest technology.
  • CCIG Commercial Capital Investor Group, LLC
  • 800 Broadway, Haverhill, MA, 01832
  • Commercial Capital Investor Group is a multi-faceted firm providing numerous sources of liquidity and capital investment to both the commercial and residential investment real estate markets. Our innovative simple documentation, no income verification loan programs set us apart from the competition and enables us to close loans that banks.
  • Methuen Federal Credit Union
  • 248 Broadway, Methuen, MA, 01844
  • At Methuen Federal Credit Union, we strive to deliver the best service possible to our most important asset – our members.Methuen Federal Credit Union is a member of the Credit Union Collaborative Network of the Merrimack Valley which is a community of Credit Unions sharing knowledge and working together to better serve its members.
  • Geosegment Systems
  • 24 Front Street, Suite 203, Exeter, NH, 03833
  • Geosegment Systems was founded in 1991 in Cambridge, Massachusetts as a provider of mortgage market share data from county registry of deed data. In the age before the internet, CD-ROMs, DVDs, flash drives, and other high capacity transmission methods, we received data via the 9-track magnetic tape format first invented by IBM.
  • Best Rate Mortgage LLC
  • 28 Broadway Street, Westford, MA, 01886
  • Best Rate Mortgage MA was started in 2011 in Charlestown MA and now serves the entire Commonwealth with below market rates and personalized customer service. With loan officers located across the state and equipped with state of the art technology, the mortgage process is easily tailored to those who demand either in-person.
  • Leominster Credit Union
  • 20 Adams Street, Leominster, MA, 01453
  • Leominster Credit Union is a member-owned, not-for-profit cooperative financial institution. For more than 65 years, we have provided a full range of deposit, lending, and other financial services to North Central Massachusetts residents. Today, we are proud to claim more than 50, 000 members. Leominster Credit Union is headquartered in Leominster,