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

In the year 2026, the limit for a Conventional loan within Cambridge, situated in Middlesex county, MA, is set at $828,000. For a single-family home, the FHA loan limit is $828,000.

Utilize the Lendersa® Conventional loan calculator to juxtapose today's most competitive rates between Conventional, FHA, and USDA loans. This tool assists in understanding the necessary income, credit standing, reserves, and documentation needed for qualification. Our state-of-the-art mortgage calculator lays out Conforming Conventional, USDA, FHA, and VA loans side-by-side, aiding you in evaluating which program in MA best aligns with your specific financial situation.

Explore and compare loan offers from a diverse pool of 100 lenders

Loan limits and down payment requirements for 2026 in Cambridge, 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 comparison table is applicable to zip codes: 02142

Options for Conventional and FHA loans in Cambridge, MA

Lendersa® is dedicated to swiftly securing the best fit for a Conventional, USDA, or FHA loan, ensuring a smooth and hassle-free process. You can start with one of three options that will pair you with matching lenders and the appropriate loan programs.

Lendersa USDA loan request and matching results


  • Gold Financial Services
  • 2822 N Loop 1604 W Ste. 101, San Antonio, TX, 78248
  • Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122 and we provide residential mortgage solutions to a broad range of clients and customers. Our services include Conventional Mortgages, Jumbo and Non-conforming loans, VA and FHA loans, as well as a host of refinancing options.

  • Your Better Loan LLC
  • 5134 East 119th Way, Thornton, CO, 80233
  • Your Better Loan LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.

  • Above & Beyond Mortgage Loans Inc
  • 2200 East 104th Avenue, Suite 101, Thornton, CO, 80233
  • Above & Beyond Mortgage Loans, Inc., and our mortgage consultants all share the same common goal: to provide individuals and families with excellence in the process of a mortgage loan. Rest assured that Above & Beyond will fully educate you from start to finish on the loan process.

  • Legacy Home Lending LLC
  • 3879 E. 120th Avenue, Suite 110, Thornton, CO, 80233
  • "We offer a wide range of finance options, designed to best meet the needs of local borrowers. Whether you are purchasing a home, are considering refinancing, we can help! It doesn't matter if you are looking for cash out, or to just get a better rate and term, we can assist you and also We offer the following Refinancing Programs:

    FHA | FHA Ca

  • Mindful Mortgage Group
  • 1271 Banner Circle, Erie, CO, 80516
  • Kim Clancy has been working in the mortgage industry for over 17 years. She has seen the good, the bad, the ups, and downs, and has helped hundreds of families realize their dream of home-ownership. Kim is dedicated to educating her borrowers on the best scenario for their situation and keeps their best interest in the top of her mind.

  • Trailhead Mortgage
  • 50 Jordan Lane, Erie, CO, 80516
  • With Trailhead Mortgage working for you, you’ll have access to wholesale mortgage rates from our partner network that you won’t find online. Our focus on eliminating the hassles of getting a mortgage results in a simplified digital process that keeps the loan moving forward. we bring a consultative, and creative approach to our relationships.

  • Abbey Mortgage & Investments
  • 549 N 4th St, Berthoud, CO, 80513
  • We want you to know everything about Abbey Mortgage, so you know why you should partner with us. Abbey Mortgage and Investments Inc is a privately owned and operated mortgage company located in Berthoud, Colorado. We are not a mortgage broker or banker, which may make you wonder,

  • Piazza Lending, LLC
  • 7227 Broadway, San Antonio, TX, 78209
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Rubiola Mortgage Co Inc
  • 8700 Crown1600 NE Loop, Suite 604, San Antonio, TX, 78209
  • Rubiola Mortgage Company is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you

  • Smart Choice Mortgage
  • 3424 Paesanos Parkway, Suite 201B, San Antonio, TX, 78231
  • Smart Choice Mortgage is a full-service mortgage banking company committed to developing and nurturing relationships with REALTORS®, home builders and our customers. As a company, our Core Values define what we stand for and represent our commitment to each other and to our customers.

  • StagePoint Federal Credit Union
  • 365 N. Third St., Laramie, WY, 82072
  • "At StagePoint we are working for you to point the way to a better financial future at each critical stage of your life.
    Since 1935, StagePoint has been here for hard-working Americans who want a better future. As a trusted financial partner, we know your life has many stages. At each critical stage, our team understands your needs"

  • The Mortgage Source Inc
  • 414 East Lewis St, Laramie, WY, 82072
  • The Mortgage Source, Inc. is licensed with experienced professionals available to guide you through the homebuying or refinancing process. It is our mission to provide prompt, professional, and courteous service from start to finish. We will continue to support you even after closing on your home.