As of 2026, the USDA loan limit for Belmont, in Middlesex, MA, is $675,000, while the FHA cap for a single-family dwelling is $828,000.
Use the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, determining the income, credit, reserves, and paperwork needed for qualification. This advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, aiding in the selection of the best option for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Belmont, Middlesex, MA
Loan Type
Loan Limit
Down Payment
USDA
$675,000
0%
FHA
$828,000
3.5%
Conventional Conforming
$828,000
3%
Exploring USDA and FHA Loan Options in Belmont, MA
The aim at Lendersa® is to ensure you obtain the best possible USDA or FHA loan swiftly and hassle-free. Begin by selecting one of three pathways that will connect you to matching lenders and relevant USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is only available in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans need no down payment.
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