USDA Vs. FHA your options comparison in Cambridge, Middlesex County, MA

In 2026, the USDA loan limit in Cambridge, within Middlesex county, MA, is $675,000. For a single-family home, the FHA limit is $828,000.

Use the Lendersa® USDA loan calculator to compare the best USDA and FHA rates today and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side to help you choose the best program for your needs in .

View loan offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in Cambridge, 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 Possibilities in Cambridge, MA

Lendersa® aims to quickly secure the best USDA or FHA loan for you. Choose one of three methods to connect with matching lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

The USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans require none.

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



  • Strategic Home Loans Inc.
  • 30721 Russell Ranch Rd, Westlake Village, CA, 91361
  • Strategic Home Loans Our ultimate goal is to have each and every client of Strategic Home Loans become our loudest and only advertisement. This means that you strongly advise all of your friends and relatives to trust us in handling their financial needs with confidence, knowing that you are doing them a favor by referring them to us.
  • Elite Financial
  • 2239 Townsgate Road, Suite 205, Westlake Village, CA, 91361
  • Elite Financial has been providing mortgage lending services to individual homebuyers, real estate professionals and home builders throughout California. We maintain a high reputation for integrity and strive to go above and beyond for each client. Elite Financial offers a wide variety of loan options with the most competitive rates.
  • LoanSmart Inc.
  • 870 Hampshire Rd, Suite S, Westlake Village, CA, 91361
  • LoanSmart Inc founder of the Joe Engle goal is to work with you to design the right individual program to fit your needs.Whether you want to purchase your first home, refinance your existing home, move up or down, buy a second home or investment property, I will design the right program specifically tailored to fit your needs.
  • PennyMac Loan Services, LLC,
  • 3043 Townsgate Rd, Suite 200, Westlake Village, CA, 91361
  • At PennyMac, we know your home is more than a place to live, it’s your place to dream, laugh, and grow. That’s why we have made it our mission to be more than just a mortgage lender — restoring trust and quality in the home loan experience from beginning to end. So, whether you are just starting out with your first home
  • PennyMac Loan Services
  • 3043 Townsgate Rd, Suite 200, Westlake Village, CA, 91361
  • At PennyMac our commitment to our customers doesn’t end at closing. Our goal is to be a trusted financial partner that you can count on as long as you own your home. Being one of the top direct mortgage lenders in the country means PennyMac can focus on the needs of its customers rather than maintaining a network of branches and banking products.
  • Great American Funding Corporation
  • 860 Hampshire Road Suite S, Westlake Village, CA, 91361
  • Great American Funding Corporation is a Direct Mortgage Lending Source which allows us to offer hundreds of Mortgage Loan programs from which to choose. A Mortgage Banker can obtain lower rates and SAVE you money. We get paid by the Big Banks, to do their job better, faster, quicker, less expensive and with lower rates!
  • Harmony Mortgage
  • 699 Hampshire Rd. Suite 210, Westlake Village, CA, 91361
  • Harmony Mortgage Bankers was established in 2007 and since then the company and licensed mortgage professionals have been providing mortgage lending services to home buyers and real estate professionals throughout the state of California. We offer a wide variety of loan options with extremely competitive rates and fees.
  • First U.S. Community Credit Union
  • 580 University Avenue, Sacramento, CA, 95826
  • First U.S. has been making a difference in the financial lives of our members with affordable loans, generous savings programs and friendly, personal service full line of savings options, loan solutions and decades of home financing experience, First U.S. has the products and services you need to achieve your goals.
  • California Community Credit Union
  • 8815 Folsom Blvd, Sacramento, CA, 95826
  • California Community Credit Union has been serving our members since 1939! As a full-service financial institution, we offer the same services as most other financial institutions with one major exception - we believe that service also includes some old-fashioned courtesy and a friendly greeting
  • CAHP Credit Union
  • 2843 Manlove Road, Sacramento, CA, 95826
  • CAHPCU utilizes a comprehensive fraud monitoring service that evaluates normal card use. Overseas or out-of-state purchases are generally deemed suspicious and the fraud monitoring program will try to contact the member for verification of the transactions. If the members are not available due to their travels the program may block their cards.
  • Golden 1 Credit Union
  • 8945 Cal Center Dr, Sacramento, CA, 95826
  • The Golden 1 Credit Union aims to be #1 in the Gold Rush State. One of the largest credit unions in California, and among the top 10 in the US, the member-owned organization serves communities in central and northern parts of the state through 80-plus branches; nearly half of which in the Sacramento area. The Golden 1 has assets in excess