USDA VS FHA in Boston, Suffolk County, MA

In 2026, the USDA loan limit in Boston, within Suffolk county, MA, is $0; for a single-family home, the FHA limit is $828,000.

Use the Lendersa® USDA loan calculator to contrast today's best USDA vs. FHA rates, determining required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you pick the best program for your needs in .

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2026 Loan Limits and Down Payment Requirements in Boston, Suffolk, MA

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

USDA and FHA Loan Options in Boston, MA

Lendersa® is committed to securing you the best USDA or FHA loan swiftly and without hassle. Choose one of three methods to connect with lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

A USDA home loan, supported by the government’s Department of Agriculture, also known as a USDA rural development loan or mortgage, is specific to rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans require none.

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



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