FHA VS Conventional loan in Cochituate, Middlesex County, Massachusetts

In 2026, the loan limits set for a single-family home in Cochituate, within Middlesex county, MA, are as follows: Conventional loans have a limit of $828,000, whereas the FHA limit is $828,000.

Utilize the Lendersa® Conventional loan calculator to evaluate and compare the best rates currently available for Conventional, FHA, and USDA loans. Understand the required income, credit scores, reserves, and documentation to qualify. This advanced mortgage tool enables a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, helping you choose the ideal program in MA that meets your financial situation.

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Loan Limits and Down Payment Details for 2026 in Cochituate, Middlesex, MA

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

This comparison applies to the following zip codes: 1778

Explore Conventional and FHA Loan Options in Cochituate, MA

At Lendersa®, our goal is to help you acquire the best possible Conventional, USDA, or FHA loan efficiently and with ease. Start by selecting one of three pathways to connect with compatible lenders and loan solutions.

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Cochituate Lenders

  • The Mortgage Pros
  • 2 Vernon St., Framingham, MA, 01701
  • Lends in Massachusetts
  • 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 that are available today.

  • OnTo Mortgage
  • 405 Cochituate Road, Suite 204, Framingham, MA, 01701
  • Lends in Massachusetts
  • OnTo Mortgage is headquartered in Massachusetts and was started by by two top loan originators with over 30 years of experience. Every lender touts great rates, product and service and while we have all of that, we also have a deep care for our clients. We understand that without clients, we have nothing.

  • MutualOne Bank
  • 49 Main Street, Natick, MA, 01760
  • Lends in Massachusetts
  • Headquartered in Framingham, we are able to offer our customers the benefit of local decision making from people who live & work in their community. This allows us to support the local economy & the organizations that work so hard to strengthen it. MutualOne Bank meets the needs of its customers with a variety of checking, savings, consumer loan.

  • ProBuilder Financial, LLC
  • 396 Washington Street, Suite 225, Wellesley Hills, MA, 02481
  • Lends in Massachusetts
  • ProBuilder Financial is a direct, hard money lender, providing private acquisition, rehab, and construction loans to real estate builders and developers in New England. Loans based on the collateral value of the project, not on the credit history of the applicant. Creative and flexible financial solutions to meet the needs of your real estate proje

  • American Mortgage Resource Inc
  • 2 Winter Street, Suite 202, Waltham, MA, 02451
  • Lends in Massachusetts
  • American Mortgage Resource, Inc. is a home Mortgage Broker that specializes in home loans for home refinancing or first-time buyers with very competitive low mortgage rates in Waltham, MA, the Boston area and the entire Massachusetts state. We have programs available for first time home buyers, as well as conventional, Jumbo, FHA and VA loans.

  • Independence Mortgage Group LLC
  • 318 Bear Hill Road, Suite 11, Waltham, MA, 02451
  • Lends in Massachusetts
  • Independence Mortgage Group was founded (back) in 2007. The company is a Licensed Mortgage Broker doing business in Massachusetts and New Hampshire and currently has 6 licensed Loan Officers. Independence Mortgage Group prides itself on giving personalized one-on-one service to every customer.

  • ProBuilder Financial LLC
  • 396 Washington Street Suite 225, Wellesley Hills, MA, 02481
  • Lends in Massachusetts
  • ProBuilder Financial is the hard money lender of choice for professional real estate developers, builders, and investors in New England. ProBuilder Financial provides friendly, personalized service, unsurpassed responsiveness, deep industry knowledge, and immediate access to funds for short and intermediate term commercial loans. At ProBuilder Fina

  • Metrowest Community Federal Credit Union
  • 200 Concord Street, Framingham, MA, 01702
  • Lends in Massachusetts
  • MetroWest Community FCU is fully committed to helping individuals in our communities manage and achieve their financial goals by offering a wide range of affordable savings and loan products To helping individuals in our communities manage their financial needs by offering a wide range of affordable savings and loan products and To providing produc

  • MortgageWorkshop Inc
  • 24 Union Avenue, Suite 30, Framingham, MA, 01702
  • Lends in Massachusetts
  • At MortgageWorkshop, we feel that our job is to do more than just help you find a loan. By forming strong relationships with many different lenders, we are able to research, compare, and shop your specific application to find you the mortgage product that best fits and alos we are dedicated to providing borrowers and the realtors.