USDA Vs. FHA Pro and Con comparison in Concord, Middlesex County, MA

In the year 2025, the USDA loan limit applicable in Concord, located in the county of Middlesex, MA, is $675,000. Conversely, the FHA loan limit for a single-family home is set at $828,000.

Utilize the Lendersa® USDA loan calculator to evaluate and compare today’s top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side by side, guiding you in deciding which is the best option for your specific financial needs in .

Evaluate loan offers from 100 different lenders

2025 Loan Limits and Downpayment Requirements in Concord, Middlesex, MA

Loan Type Loan Limit Down payment
USDA $675,000 0%
FHA $828,000 3.5%
Conventional Conforming $828,000 3%

Explore USDA and FHA Loan Opportunities in Concord, MA

Lendersa® aims to provide you the most favorable USDA or FHA loan with speed and efficiency. Choose one of three pathways to access matching lenders and the USDA loan programs suited to your needs.

Lendersa USDA loan request and results matching

Understanding USDA Loans in MA

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and specifically designed for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans come with no down payment requirement.

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



  • Mint Mortgage
  • 3601 SW 160th Ave Suite 320, Hollywood, FL, 33027
  • Mint Mortgage is a division of Point Mortgage. We are based in Miramar, FL, and serve clients in the greater Miami and Fort Lauderdale areas. We are licensed to work across the state of Florida and offer a range of loan programs to choose from. Solutions to help reduce closing cost and find lowest rate available.
  • EZ Funding Group, Inc.
  • 3350 SW 148th Ave, Suite 228, Miramar, FL, 33027
  • EZ Funding Group, Inc. was established in 2000 by Jaime Charouf as the President/CEO of the company and from its inception EZ Funding Group, Inc., has made the commitment to provide clients in the state of Florida with the highest quality service and with the combination of diverse residential and commercial mortgages.
  • Southern Gas Federal Credit Union
  • 2205 East Roosevelt Road, Little Rock, AR, 72206
  • We offer a variety of savings and investment options to fit your lifestyle. Feel confident knowing you have saved from every paycheck for all the important moments in life! Let us help make your dreams a reality! Whether it’s a new car, boat, or vacation of a lifetime, we’ve got just the loan you need.
  • VA Hospital Federal Credit Union
  • 4300 W 7th St, Room 1A-118, Little Rock, AR, 72205
  • VA Hospital Federal Credit Union. The credit union was established in 1951 to serve its members financial needs. Since its inception the credit union has provided financial services at the best economical rates in the most opportune manner. This tradition started over 6 decades ago continues today.
  • Baptist Health Federal Credit Union
  • 9000 Kanis Rd, Little Rock, AR, 72205
  • Baptist Health Federal Credit Union is a not-for-profit financial institution with a people helping people mentality. We serve employees, friends, family, retirees, and volunteers of Baptist Health and other healthcare service industries. All deposits are federally insured by the NCUA up to $250,000. Visit the NCUA to learn more.
  • Financial One Group
  • 8962 Collins Ave, Surfside, FL, 33154
  • We are a specialized firm of life settlement contracts and reverse mortgage(HECM). Our agency offers life and health benefits from major insurance carriers. We also represent most banks that provide home equity conversion mortgages.Our firm focuses on providing solutions to seniors undergoing financial distress.
  • Morningside Mortgage Corporation
  • 9630 E. Bay Harbor Drive, Miami Beach, FL, 33154
  • Mortgage brokerage and realty consulting business in Miami, Florida. We work on commercial and residential loans to homeowners as well as investors. We have bank, private and hard equity loans available for all property types. We work with prime clients, non-prime clients and other mortgage brokers or lenders .
  • Benchmark Mortgage
  • 2121 Watt St, Suite B, Little Rock, AR, 72227
  • Benchmark is a full-service mortgage banker and seller-servicer We are a community of mortgage professionals that are united by the Benchmark core values - success, relationship, dynamic, excellence, positive attitude. Everything we do comes back to these five defined beliefs. Adhering to these values dictates the way we think, manage our business.
  • United Mortgage of Florida LLC
  • 18503 Pines Blvd, Suite 310, Pembroke Pines, FL, 33029
  • We take the extra time to educate you first, guided by the principles of transparency, accuracy, and responsiveness; using technology to leverage communication, documentation, and workflows; and supported by the top lending partners in the industry. Our team is composed of real estate experts who will work with your realtor to help you
  • A-1 Payday Loans
  • 2310 US HWY 80 West, Suite B, Jackson, MS, 39204
  • A-1 provides you instant cash loans! Happily serving the residents of Byram, Clinton, Edwards, Terry, Crystal Spring and Raymond, A-1 is here to help you find relief through Installment Loans, Loans for Bad Credit, Cash Advances, Cash Loans, Title Loans, and Payday Loans. We’ll help you find the perfect loan for you just a few easy steps!