USDA VS FHA 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 .

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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?



Cambridge Lenders

  • East Cambridge Savings Bank
  • 292 Cambridge Street, Cambridge, MA, 02141
  • Lends in Massachusetts
  • East Cambridge Savings Bank is a full-service mutually-held savings bank that believes in connecting with customers. The Bank was established in 1854 and is dedicated to providing businesses and individuals with a full line of banking services in the communities it serves. Headquartered in Cambridge, the Bank has locations in Arlington.

  • Edward Voccola & Co. LLC
  • 75, Arlington Street, Suite 500 Boston, MA 02116, Boston, MA, 02116
  • Lends in Massachusetts
  • Edward Voccola & Co. LLC – Commercial Real Estate Financing
    Commercial & Project Finance, Joint Venture Lending, Construction, Hotels, 100% Bond & Equity Financing, US & Worldwide

    We offer the following kinds of loans;
    * Personal Loans (Unsecured Loan), * Business Loans (Unsecured Loan), * Commercial Real Estate Loans, * Construction Loans, *

  • UC Funds
  • 745 Boylston Street, Boston, MA, 02116
  • Lends in Massachusetts
  • UC Funds is a national balance sheet provider of both debt and equity capital solutions that has provided over $3 billion dollars of capital solutions since 2010. UC Funds provides quick, reliable and customized financial solutions throughout the entire capital stack, including joint venture equity.

  • Northeast Bank
  • 200 Berkeley Street, 17th Floor, Boston, MA, 02116
  • Lends in Massachusetts
  • Northeast Bank (NASDAQ: NBN) is a full-service bank headquartered in Portland, Maine. We are both an experienced, balance sheet lender offering speed, certainty of execution and creativity to structure loan originations and acquisitions nationally, and a full-service bank serving customers in Western, Central, and Southern Maine

  • HIG Capital Llc
  • 500 Boylston St, Boston, MA, 02116
  • Lends in Massachusetts
  • H.I.G. Capital is a leading global private investment firm with $44 billion of equity capital currently under management.* H.I.G.'s family of funds includes private equity, real estate, growth equity and debt/credit. H.I.G. Capital has invested in and controlled over 300 organizations globally since it was founded more than 20 years ago.

  • Edward Voccola & Co., LLC
  • 75 Arlington Street, Suite 500, Boston, MA, 02116
  • Lends in Massachusetts
  • Edward Voccola & Co. LLC is a Private Equity & Joint Venture financial company based in New York City and have offices throughout the U.S & Internationally, We have a dedicated team of financial experts in commercial real estate finance and project funding delivering creative financing solutions consistently to worldwide clients.

  • Harvard University Employees Credit Union
  • PO Box 382609, Cambridge, MA, 02238
  • Lends in Massachusetts
  • Harvard University Employees Credit Union is a not-for-profit financial institution, founded in 1939 by employees and serving all Harvard affiliates and teaching hospitals, including faculty, students, alumni, post-docs, fellows, and more.

    Harvard affiliates and their family are eligible to join.

  • Cambridge Municipal Employees Federal Credit Union
  • 795 Massachusetts Avenue, Cambridge, MA, 02139
  • Lends in Massachusetts
  • Cambridge Municpal Employees Federal Credit Union differs from banks and other financial institutions in that those who have accounts in the credit union are its members and owners, and they elect their board of directors Credit unions see themselves as different from mainstream banks, with a mission to be community-oriented and serve people.

  • Forward Financing
  • 53 State Street, Boston, MA, 02109
  • Lends in Massachusetts
  • Forward Financing is a Boston-based financial technology company that provides fast, flexible working capital to small businesses nationwide. Our dedicated account representatives and advanced proprietary technology help our customers spend less time finding capital and more time growing their business.