USDA Vs. FHA Pro and Con comparison in Ayer, Middlesex County, MA
For 2025, 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 .
2025 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.
In 2000, Tonya Jenkins (“TJ”) had been in the mortgage business for seven years. She had worked as a single loan originator at a local bank and then moved to a manager of a regional mortgage company. She found herself wanting to build a mortgage team, which is when Home Team Lending was born.
Our mission is to help you achieve the dream of home ownership using education at the forefront. Our focus is on supporting you throughout every milestone of the lending process with transparent communication and by empowering you through knowledge.Our leading-edge processes allow for swift and precise approvals.
Natalie Thompson is a mortgage expert with extensive experience in helping clients achieve their dreams through mortgage financing. She has been in the industry since 2001 and takes pride in guiding her clients through the complexities of the mortgage process with education and patience.
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
4608 Tutu Park Mall, Suite 100, St Thomas, VI, 00802
Merchants Commercial Bank was created to provide state-of-the-art financial resources and solutions to the Virgin Islands business and professional community. MCB is a Virgin Islands chartered, FDIC insured, boutique commercial bank bringing state-of-the-art internet and traditional banking services to the Virgin Islands community.
St. Thomas Federal Credit Union (STTFCU) is a non-profit financial organization with over 7, 500 members and assets of over $78 million dollars. Since 1952, STTFCU has been an integral part of the Virgin Islands community. We provide our members with opportunities to save, borrow, and improve their overall financial wellness.
Since 1950, our mission has been to provide you with friendly and professional financial services. Times and technology may have changed, but our commitment to that mission has not. We continue to think that we're big enough to serve you, yet small enough to know you. And as always, if visiting one of our two locations is not convenient for you.
Scurry County School FCU was established in 1954 by the educators of Scurry County to help other educators with their savings and loan needs. As time went on the membership field was expanded to include employees of the city, county, Cogdell hospital, and Western Texas College. Our office is conveniently located and we are here to serve you.
