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


Cambridge Lenders

  • East Cambridge Savings Bank
  • 292 Cambridge Street, Cambridge, MA, 02141
  • Lends in Massachusetts
  • East Cambridge Savings Bank is a full-service mutually-held savings bank that believes in connecting with customers. The Bank was established in 1854 and is dedicated to providing businesses and individuals with a full line of banking services in the communities it serves. Headquartered in Cambridge, the Bank has locations in Arlington.

  • Edward Voccola & Co. LLC
  • 75, Arlington Street, Suite 500 Boston, MA 02116, Boston, MA, 02116
  • Lends in Massachusetts
  • Edward Voccola & Co. LLC – Commercial Real Estate Financing
    Commercial & Project Finance, Joint Venture Lending, Construction, Hotels, 100% Bond & Equity Financing, US & Worldwide

    We offer the following kinds of loans;
    * Personal Loans (Unsecured Loan), * Business Loans (Unsecured Loan), * Commercial Real Estate Loans, * Construction Loans, *

  • UC Funds
  • 745 Boylston Street, Boston, MA, 02116
  • Lends in Massachusetts
  • UC Funds is a national balance sheet provider of both debt and equity capital solutions that has provided over $3 billion dollars of capital solutions since 2010. UC Funds provides quick, reliable and customized financial solutions throughout the entire capital stack, including joint venture equity.

  • Northeast Bank
  • 200 Berkeley Street, 17th Floor, Boston, MA, 02116
  • Lends in Massachusetts
  • Northeast Bank (NASDAQ: NBN) is a full-service bank headquartered in Portland, Maine. We are both an experienced, balance sheet lender offering speed, certainty of execution and creativity to structure loan originations and acquisitions nationally, and a full-service bank serving customers in Western, Central, and Southern Maine

  • Edward Voccola & Co., LLC
  • 75 Arlington Street, Suite 500, Boston, MA, 02116
  • Lends in Massachusetts
  • Edward Voccola & Co. LLC is a Private Equity & Joint Venture financial company based in New York City and have offices throughout the U.S & Internationally, We have a dedicated team of financial experts in commercial real estate finance and project funding delivering creative financing solutions consistently to worldwide clients.

  • Harvard University Employees Credit Union
  • PO Box 382609, Cambridge, MA, 02238
  • Lends in Massachusetts
  • Harvard University Employees Credit Union is a not-for-profit financial institution, founded in 1939 by employees and serving all Harvard affiliates and teaching hospitals, including faculty, students, alumni, post-docs, fellows, and more.

    Harvard affiliates and their family are eligible to join.

  • Boston Private
  • 10 Post Office Square, Boston, MA, 02109
  • Lends in Massachusetts
  • Boston Private We bring together a full spectrum of wealth, trust and banking services to give you the one trusted resource you need to simplify and strengthen your financial life. and also Boston Private is a bank with operations in four states. Boston Private offers numerous mortgage programs including conventional, jumbo, non-owner occupied, Hom

  • Investors Choice Lending
  • 8 Faneuil Hall Marketplace 3rd fl, Boston, MA, 02109
  • Lends in Massachusetts
  • Investors Choice Lending is a private hard money lender offering Boston’s real estate investors a unique opportunity to secure the funds they need. When you’ve got eyes on your next investment property, there’s nothing you want more than to close quickly and without hassle.

    We’ve aligned ourselves with many National lending resources.

  • Ethic, a Wealth Bank
  • 125 High Street, 17th Floor, Boston, MA, 02110
  • Lends in Massachusetts
  • We created Ethic, A Wealth Bank to fulfill a need. People want to feel connected, understood, and valued. We understand this only can be accomplished through building meaningful and long-lasting relationships, which is why relationships are at the heart of all we do. Our mission is to provide clients with advice, tools, services and solutions.