USDA and FHA Pro and Con in Billerica, Middlesex County, MA

In 2025, the USDA loan limit in Billerica, which is part of Middlesex county, MA, stands at $675,000. On the other hand, the FHA limit for a single-family home is $828,000.

Utilize the Lendersa® USDA loan calculator to assess the premier USDA and FHA rates available today, as well as to determine necessary income, credit score, reserves, and qualification documents. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options, guiding you to choose the best fit for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Billerica, 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 Billerica, MA

The goal of Lendersa® is to facilitate fast, hassle-free access to the best USDA or FHA loan for you. Choose from these three starting points to connect with lenders and explore USDA loan programs further.

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Understanding the USDA Loan in MA

The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is exclusively available for rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages require none.

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



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