USDA Vs. FHA Pro and Con comparison in Swanzey, Cheshire County, NH

In the year 2025, the USDA loan ceiling for Swanzey, situated in Cheshire county of NH, stands at $336,500. For an individual family residence, the FHA limit amounts to $472,030.

Utilize the Lendersa® USDA loan calculator to compare competitive USDA and FHA rates today. It helps you ascertain the necessary income, credit standing, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator assists you in evaluating USDA, FHA, Conforming, and VA loans side-by-side, ensuring you choose the best fit for your financial circumstances in .

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2025 loan limits and down payment requirements in Swanzey, within Cheshire, NH

Type of Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA loans in Swanzey, NH

The mission of Lendersa® is to efficiently procure the optimal USDA or FHA loan for you, eliminating unnecessary hassles. Begin with one of three pathways leading to suitable lender matches for the USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NH

A USDA home loan, ensured by the government under the Department of Agriculture, often referred to as the USDA rural development loan or mortgage, is accessible only in rural zones. Unlike FHA loans that necessitate at least a 3.5% down payment, the USDA mortgage demands no down payment at all.

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



  • Florida Mortgage Capital Inc
  • 3901 Northwest 79 Avenue, Suite 220, Doral, FL, 33166
  • "Florida Mortgage Capital Inc was established in May 1996. We have been serving the needs of Buyers throughout Florida for over 22 years. Our success has been in building long term relationships with our clients. They are the best testament of the service we provide during and after the transaction is concluded."
  • Capital Prime Funding Corp
  • 8200 Northwest 41st Street, Suite 200, Doral, FL, 33166
  • Our vision is to deliver the experience of a simple loan process to our customers. We believe in providing an outstanding customer service experience by making the process fast and easy to get the best and least expensive loan program available for their specific situation. We have the conventional loan programs, FHA, VA etc
  • The Paramount Funding Company
  • 7950 North West 53 Street, Suite 337, Miami, FL, 33166
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. Here at The Paramount Funding Company, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!
  • Intercorp MS LLC
  • 8333 Northwest 53rd Street, Suite 401, Doral, FL, 33166
  • "Intercorp Mortgage Solutions offers Conventional and Private lending services in the South Florida area. We support our clients through the process of financing and managing their investments by offering solutions adapted to their needs. Our services include Conventional, FHA, VA and high cost loans, residential and commercial mortgages,"
  • Essex Home Loans Corp
  • 8200 Northwest 41st Street, Suite 200, Doral, FL, 33166
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Prada Capital Lending Corp
  • 3785 Nw 82 Ave, Suite 208, Doral, FL, 33166
  • At Prada Mortgage Bankers, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Trust Lending
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  • We are a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan - with the best rates, terms and costs.
  • Hialeah Municipal Employees Federal Credit Union
  • 501 Palm Ave, Hialeah, FL, 33010
  • Hialeah Municipal Employees Federal Credit Union is a not-for-profit, cooperative financial institution serving its members since 1951 with a wide range of services to meet all their financial needs. Membership is open to all employees of the city of Hialeah, Florida; employees of this credit union.
  • Elias Legra Inc
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  • Over 30 Years serving my clients, same location, same office. My Father Elias Legra Sr, came to the USA as immigrant from Holguín, Cuba. He struggled as most immigrants to establish himself to help our family as well as his clients. Starting from his home office in our utility room we now own and operate our Real Estate
  • Galizet Home Lending
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  • Galizet Home Lending has the right loan options to meet your individual needs. We offer low rates, great service and a simple process, but we offer that and so much more. Over 30 years of professional experience and commitment to excellence and it’s all delivered with a direct one-on-one personable touch.
  • Nebraska Rural Electric Association Credit Union
  • 1244 K Street, Lincoln, NE, 68508
  • The Nebraska Rural Electric Association Credit Union also known as NREA Credit Union, was chartered in 1973. We are located in Lincoln, Nebraska, in the offices of the statewide Nebraska Rural Electric Association, but we have credit union representatives to assist our staff located in most of the Association’s 34 member Rural Public Power District