USDA VS FHA in Acton, Middlesex County, MA

During 2026, the USDA loan limit for a single-family home in Acton, located in Middlesex, MA, is $675,000. In contrast, the FHA limit is $828,000.

Leverage the Lendersa® USDA loan calculator to compare today's ideal USDA versus FHA rates and ascertain the income, credit score, reserves, and documents necessary for qualification. Our advanced calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding in choosing the best program for your financial needs in .

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2026 Loan Limits and Down Payment Details in Acton, Middlesex, MA

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

USDA and FHA Loan Choices in Acton, MA

At Lendersa®, our mission is to secure the optimal USDA or FHA loan swiftly and without hassle. Select from three starting options that connect you with matching lenders and suitable USDA loan programs.

USDA loan request and match results by Lendersa

Understanding USDA Loans in MA

A USDA home loan, backed by the U.S. Department of Agriculture and known as the USDA rural development loan, is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage needs no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Black Diamond Mortgage Corporation
  • 106 2nd St E, Whitefish, MT, 59937
  • Black Diamond Mortgage Corporation is an original Montana Company providing loans to buy homes and many home loan refinance opportunities. As the Experts in Real Estate Finance, we work with clients to help them buy a home, build a home, lower their monthly payments, shorten the life of their loan, consolidate debt, improve their home
  • Ravalli County Federal Credit Union.
  • 501 N 1st Street, Hamilton, MT, 59840
  • Ravalli County FCU was known as Ravalli County Federal Employees Credit Union Association. It was a state chartered credit union with membership restricted to employees of the Rocky Mountain Lab and the Forest Service. Over the years additional groups were allowed to join the credit union
  • Hamilton Mortgage Services, Inc
  • 716 S 1ST ST, Hamilton, MT, 59840
  • At Hamilton Mortgage Services, Inc We understand that each customer has specific needs. To meet those specific needs, we strive to provide a wide array of products, investment tools, mortgages and best of all quality service and individual attention. The loan process may seem daunting
  • First New Mexico Bank
  • 300 S Gold Ave, Deming, NM, 88030
  • First New Mexico Bank came to life in Deming in 1962, under its charter name, Deming National Bank. The bank was first located on the corner of Silver Avenue and Pine Street in which Marie's Italian Grill now resides. In November of 1973, the bank moved into a new building at our present location on 300 South Gold Avenue.
  • Town and Country Home Mortgage
  • 347 N Main St, Nephi, UT, 84648
  • Town and Country Home Mortgage We are a locally owned mortgage broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are t broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are the State's experts on the USDA Rural Guarantee.
  • Farmers State Bank
  • 103 Main St, Victor, MT, 59875
  • Farmers State Bank offers a full range of banking services to residents and business in Western Montana. Locally owned and founded in 1907, Farmers State Bank is built on a foundation of strong relationships with out communities and their members. Our goal to make your experience with us easy and enjoyable.
  • TRAILWEST BANK
  • 11300 US Highway 93 S, Lolo, MT, 59847
  • TrailWest Bank is an FDIC insured, locally-owned, independent bank serving western Montana. For over three decades, we have provided the people and businesses of the Ravalli, Missoula, Mineral, and Flathead Counties with a wide range of secure and dependable financial services—all with a commitment to personal service.
  • Utah Independent Bank
  • 55 South State Street, Salina, UT, 84654
  • Utah Independent Bank was established in Salina, Utah and opened for business in August 1977. Utah Independent Bank is the only locally owned bank in the counties of Sevier and Beaver. We currently have four locations to serve the needs of our customers; they are located in Beaver, Milford, Monroe, and Salina, Utah. All locations provide full-servi