During 2026, the USDA loan limit for properties in Merrimack, which is part of Hillsborough county, NH, is $350,000. In contrast, the FHA limit for single-family homes is $477,250.
Take advantage of the Lendersa® USDA loan calculator to evaluate today's optimal USDA vs. FHA rates. Determine necessary income, credit scores, reserves, and required documents for qualification. Our mortgage calculator, equipped with advanced features, allows you to see USDA, FHA, Conforming, and VA options side by side, facilitating your decision on the most suitable program for your financial needs in
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| Loan Category | Maximum Limit | Down Payment | |
| USDA | $350,000 | 0% | |
| FHA | $477,250 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to swiftly connect you with optimal USDA and FHA loan options without unnecessary hassle. Start with one of three simple steps, each designed to match you with suitable lenders and USDA loan programs.
The USDA home loan, also known as a USDA rural development loan or mortgage, is a government-backed loan from the Department of Agriculture. It's exclusively available in rural areas. In contrast to FHA loans that require a minimum down payment of 3.5%, USDA loans demand no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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