USDA Vs. FHA Pro and Con comparison in Ayer, Middlesex County, MA
For 2026, the USDA loan limit within Ayer, in Middlesex, MA, is $675,000. In contrast, the FHA limit for a single-family home is $828,000.
With Lendersa® USDA loan calculator, you can compare today's best rates for both USDA and FHA loans, helping you determine the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loan options side by side to assist you in choosing the optimal program tailored to your financial situation in .
2026 Loan Limits and Down Payment Requirements in Ayer, 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 Options in Ayer, MA
Lendersa® aims to provide the most suitable USDA or FHA loan quickly and efficiently without hassle. Choose from three starting points designed to connect you with matching lenders and USDA loan offerings.
A USDA home loan is backed by the Department of Agriculture, also known as the USDA rural development loan or mortgage, and is available only in rural neighborhoods. In contrast to FHA loans, which require at least 3.5% down payment, USDA loans require none.
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