FHA VS Conventional loan programs in Wakefield, Middlesex County, Massachusetts
In the year 2026, the Conventional loan limit for properties in Wakefield, located in the county of Middlesex, MA, is $828,000. Meanwhile, the allowable FHA limit for a single-family home is set at $828,000. These limits are essential to know when planning your home financing in this area.
The Lendersa® Conventional loan calculator can be used to assess the most competitive rates available today among Conventional, FHA, and USDA options. Determine the necessary income, credit, reserves, and documentation for application eligibility. Our sophisticated mortgage calculator presents Conforming Conventional loans alongside USDA, FHA, and VA options, enabling you to select the best-suited program in MA for your budget and financial goals.
Exploration of 2026 Loan Limits and Down Payment Needs in Wakefield, 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 references the following zip codes: 1880
Available Conventional and FHA Loan Choices in Wakefield, MA
At Lendersa®, our aim is to provide you with the most favorable Conventional, USDA, or FHA loans quickly and effortlessly. Start by choosing from three approaches to find matching lenders and tailored loan programs that fit your needs.
Wakefield Co-operative Bank is continually expanding our personal and business banking services, our residential and commercial lending, and our supplementary digital services to better enable our customers to manage their finances. We foresee great opportunity for deposit, lending, and financial services growth and are optimistic.
The Savings Bank is a community bank founded back in 1869 and is headquartered in Wakefield, Massachusetts in the heart of Middlesex County. TSB offers a complete range of both Commercial and Consumer banking products and has eight full-service branches. Member FDIC, Member DIF, and Equal Housing Lender.
StonehamBank is a full-service community bank offering state of the art products & services to residents and businesses throughout eastern Massachusetts and southern New Hampshire. In addition to providing progressive products and convenience services, StonehamBank believes in giving back to the community through its Community Involvement Program.
Members Mortgage Company was founded in 1994, to meet the mortgage lending needs of New England credit unions. At the time, most of the mortgage lending options available to credit unions were organizations only interested in acquiring servicing rights for their loans, or mortgage brokers with reduced accountability for their own mistakes.
Since 1960, Northern Bank has been the banking partner of choice for businesses and consumers throughout New England. We take an entrepreneurial, commonsense approach to providing a complete line of banking solutions. We are deeply invested in the communities we serve and passionately committed to helping you, our customers, grow.
Common Trust Federal Credit Union is a member-owned financial institution that provides personal banking services. Our mission is to be the familiar face that guides our membership to financial stability by building lifelong relationships with each individual and providing them with the solutions needed to meet their unique goals
At Sparta Financial, LLC we use our experience to help our clients achieve their dream of home-ownership throughout Massachusetts & New Hampshire. We carefully analyze their needs to ensure they end up with the right mortgage product. Our mission is simple; Provide great service and develop long lasting relationships
Lendmark Mortgage Corporation is a Mortgage Brokerage company specializing in providing a variety of mortgage loans. Since its inception in 2005, Lendmark has experienced significant growth by following its original mission of meeting the personal lending needs of clients, by offering a combination of low rates and superior service.
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.
