FHA VS Conventional loan programs in 2025 for Ayer, Middlesex County, Massachusetts

For the year 2025, the Conventional loan limit for a single-family home in Ayer, within Middlesex county, MA, is set at $828,000 and the FHA limit is $828,000.

Leverage the Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA loans. Understand the income, credit, reserves, and documentation needed to qualify. Our advanced tool allows you to see side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA, assisting in your decision on the best program in MA that fits your financial needs.

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2025 Loan Limits and Down Payment Details for Ayer, 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: 01434, 01432

Exploring Conventional and FHA Loan Choices in Ayer, MA

At Lendersa®, we aim to help you quickly find the best Conventional, USDA, or FHA loan with minimal hassle. Start with one of three pathways to connect with matching lenders and suitable loan programs.

Explore Lendersa's USDA loan requests and matches


  • Spectrum Mortgage Services
  • 9616 Day Dr, Suite 110, Indianapolis, IN, 46280
  • Spectrum Mortgage Services, LLC is a three man shop that focuses on delivering the most competitive rate with the highest level of customer service. Aaron Campbell and John Dearth are seasoned mortgage professionals who have been in the industry for close to two decades.Together, they work to provide the best mortgage experience.
  • Family Horizons Credit Union
  • 6665 E 21st Street, Indianapolis, IN, 46219
  • Family Horizons was founded in 1954, when we received a credit union charter allowing us to serve the financial needs of Naval Avionics’ employees and their families. The original “branch” was located within the Naval Avionics facility, about a mile from where the current East 21st Street branch is located
  • KEMBA Credit Union
  • 444 South Shortridge Rd, Indianapolis, IN, 46219
  • On October 9, 1933, KEMBA Indianapolis Credit Union was chartered to serve the employees of the Kroger Company and their families in and around Indianapolis. The credit union was started by a group of Kroger employees who needed a safe place to save and borrow. KEMBA is an acronym for “Kroger Employee Mutual Benefits Association”.
  • Verified Mortgage LLC
  • 14381 Heatherknoll Parkway, Carmel, IN, 46074
  • Verified Mortgage LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers Verified Mortgage LLC is created to service the loan industry a little differently.
  • Farmers National Bank of KY
  • 304 W Main St, Danville, KY, 40422
  • Farmers National Bank has a long, deep-rooted history as a financial institution. Since February 10, 1879, the bank has served customers in ways that earn their trust and loyalty. As it has helped generations of customers in the Bluegrass state achieve their goals, it is known as Your Lifetime Bank.
  • Indiana Local Biz
  • 450 E. 96th Street, Suite 500, Indianapolis, IN, 46240
  • We provide small to medium sized business owners working capital throughout the USA. Indiana Local Biz was developed when Mike Wright, one of the founders of Foresight Marketing, was asked by a client to help with a short-term financing issue. Our Small Business Finance Team has over 25 years of experience in small business operation, financing.
  • Foresight Business Funding, LLC
  • 450 E. 96th Street, Suite 500, Indianapolis, IN, 46240
  • Biz Fund Finder is affiliated with Foresight Business Funding, LLC. We access a network of over 5000 small business loan, lending partners, throughout the USA. This brings you fast and fair business funding. We also have over 150 Private Funding Sources for Real Estate Funding. Our Small Business Finance Team has over 30 years of experience.
  • Zach Weddle
  • 8465 Keystone Crossing, Suite 145, Indianapolis, IN, 46240
  • Zach pride himself on giving his clients the best mortgage solutions and service available on the market today. Zach come from a family of mortgage lenders, thus it is in his blood. When Zach not helping clients, you can find his at a local networking event, golfing, or traveling.