Explore the differences! FHA VS Conventional loan programs in Arlington, Middlesex County, Massachusetts

For 2026, the Conventional loan limit in Arlington, located in Middlesex county, MA, is $828,000. Meanwhile, the FHA limit for a single-family home stands at $828,000.

Use Lendersa® Conventional loan calculator to evaluate and compare the best rates available today for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in choosing the most suitable program for your financial circumstances in MA.

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2026 Loan Limits and Downpayment Requirements in Arlington, County of Middlesex, MA

Loan Type Loan Limit Down Payment
Conventional Conforming $828,000 3%
USDA $675,000 0%
FHA $828,000 3.5%

This table applies to the following zip codes: 02476

Options for Conventional and FHA Loans in Arlington, MA

Lendersa® aims to secure the best possible loan option for you—be it Conventional, USDA, or FHA—swiftly and without complications. Select one of three pathways that result in matching lenders and loan programs.

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Arlington Lenders

  • Leader Bank Loan Center
  • 180 Massachussetts Ave, Arlington, MA, 02474
  • Lends in Massachusetts
  • At Leader Bank we take a modern day approach to making dreams come true, all while helping the community we love. Start your journey with us today. Leader Bank’s best-in-class staff has been at the forefront of supporting the bank’s rapid growth and customer-oriented solutions...

  • Leader Bank
  • 141 Massachusetts Avenue, Arlington, MA, 02474
  • Lends in Massachusetts
  • Founded in 2002, Leader Bank is a Massachusetts-based entrepreneurial financial institution that approaches banking differently. The core tenets of Leader Bank include client services, exemplary products, and innovation to meet the needs of its clients. Leader Bank’s best-in-class staff has been at the forefront of supporting the bank’s

  • RTN Federal Credit Union
  • 600 Main Street, Waltham, MA, 02452
  • Lends in Massachusetts
  • We’re a member-owned, non-profit financial cooperative, governed by a volunteer Board of Directors. At RTN, we’re committed to helping you achieve financial well-being through quality products & services, personalized service & access to financial education.We provide individualized attention, whether you’re opening an account, applying for a loan.

  • Winchester Savings Bank
  • 661 Main Street, Winchester, MA, 01890
  • Lends in Massachusetts
  • Winchester Savings Bank is an equal opportunity employer, and all qualified job applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

  • Watertown Savings Bank
  • 60 Main Street, Watertown, MA, 02472
  • Lends in Massachusetts
  • Our mission is to be a safe and secure, independent mutual bank committed to being a leader in delivering superior personal service, quality products, and banking convenience to customers and local communities and Watertown Savings Bank wants to continue to help those it serves--customers, non-profit organizations, communities.

  • Watertown Municipal Credit Union
  • 149 Main Street, Watertown, MA, 02472
  • Lends in Massachusetts
  • The Mission of the Watertown Municipal Credit Union is to serve the employees of Watertown and their families by offering high quality financial products and services. The Watertown Municipal Credit Union shall protect its member’s financial assets through a conservative management style that pays high rates on shares and charges reasonable interes

  • Middlesex Federal Savings
  • 1 College Avenue Davis, Somerville, MA, 02144
  • Lends in Massachusetts
  • Middlesex Federal Savings is a full-service community bank headquartered in Davis Square Somerville, Massachusetts. It was established in 1890 as West Somerville Cooperative Bank. More than 130 years later, Middlesex Federal has grown from its modest beginnings. Established with only $840.20 in assets,

  • Somerville Municipal Federal Credit Union
  • 236 Holland St, Somerville, MA, 02144
  • Lends in Massachusetts
  • Established on May 28, 1941, Somerville Municipal Federal Credit Union was started by people who were committed to helping their fellow City of Somerville employees save for retirement in an age when pensions were non-existent. In the 1960's, membership was extended to employees of the Somerville Housing Authority

  • Cambridge Savings Bank
  • 1374 Massachusetts Ave, Cambridge, MA, 02138
  • Lends in Massachusetts
  • Cambridge Savings Bank is a full-service banking institution with over $5 billion in assets. As a mutual bank, CSB is committed to improving the quality of life of our employees, customers & the communities we serve. One of the oldest & largest community banks in MA, CSB offers a full line of individual & business banking services.