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

In 2026, the loan limit for Conventional loans in Winchester, county of Middlesex, MA is $828,000. The FHA limit for a single-family home is $828,000.

Use the Lendersa® Conventional loan calculator to compare the best rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and documents. Our advanced calculator shows these loans side by side to help you make the best choice in MA.

Review offers from 100 lenders

Loan Limits and Downpayment Needs for 2026 in Winchester, County of Middlesex, MA

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

Applies to zip codes: 1890

Explore Conventional and FHA Loan Options in Winchester, MA

Lendersa® aims to provide you with the best Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three starting points to match with lenders and programs.

View results for Lendersa USDA loan requests


Winchester Lenders

  • Winchester Savings Bank
  • 661 Main Street, Winchester, MA, 01890
  • Lends in Massachusetts
  • Winchester Savings Bank is an equal opportunity employer, and all qualified job applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

  • Leader Bank Loan Center
  • 180 Massachussetts Ave, Arlington, MA, 02474
  • Lends in Massachusetts
  • At Leader Bank we take a modern day approach to making dreams come true, all while helping the community we love. Start your journey with us today. Leader Bank’s best-in-class staff has been at the forefront of supporting the bank’s rapid growth and customer-oriented solutions...

  • Leader Bank
  • 141 Massachusetts Avenue, Arlington, MA, 02474
  • Lends in Massachusetts
  • Founded in 2002, Leader Bank is a Massachusetts-based entrepreneurial financial institution that approaches banking differently. The core tenets of Leader Bank include client services, exemplary products, and innovation to meet the needs of its clients. Leader Bank’s best-in-class staff has been at the forefront of supporting the bank’s

  • Members Plus Credit Union
  • 29 High Street, Medford, MA, 02155
  • Lends in Massachusetts
  • Members Plus Credit Union is a community-chartered credit union owned by over 14, 000 members with branches in Medford, Dorchester, Everett, Norwood and Plymouth. The Credit Union, like all credit unions, is a not-for-profit cooperative. It is owned, managed and operated by members. Our mission is to provide quality, innovative, competitive,

  • Northern Bank & Trust Company
  • 275 Mishawum Road, Woburn, MA, 01801
  • Lends in Massachusetts
  • 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
  • 8 Cedar Street, Woburn, MA, 01801
  • Lends in Massachusetts
  • 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

  • Sparta Financial LLC
  • 400 TradeCenter, Suite 5900, Woburn, MA, 01801
  • Lends in Massachusetts
  • 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 COMPANY
  • 400 Tradecenter Dr Suite #5900, Woburn, MA, 01801
  • Lends in Massachusetts
  • 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.

  • Stonehambank
  • 80 Montvale Avenue, Stoneham, MA, 02180
  • Lends in Massachusetts
  • 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.