USDA Vs. FHA Pro and Con comparison in Dedham, Norfolk County, MA

For 2026, the USDA loan limit for Dedham, within the county of Norfolk, MA, stands at $616,400, while the FHA limit is $828,000 for single-family homes.

The Lendersa® USDA loan calculator assists in comparing the current USDA and FHA best rates, and in determining the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator additionally allows for side-by-side comparisons of USDA, FHA, Conforming, and VA loan options, helping you identify the best program for your specific financial situation in .

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2026 Loan Limits and Down Payment Requirements in Dedham, County of Norfolk, MA

Loan Type Loan Limit Required Down Payment
USDA $616,400 0%
FHA $828,000 3.5%
Conventional Conforming $828,000 3%

USDA and FHA Loan Options in Dedham, MA

At Lendersa®, we strive to secure the best USDA or FHA loan for you quickly and without hassle. You can start with one of three options to connect with lenders and loan programs that fit your needs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in MA

The USDA home loan, endorsed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is specifically available in rural localities. In contrast to FHA loans, which require a down payment of at least 3.5%, USDA mortgage loans eliminate down payment requirements entirely.

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



  • Progressive Loan Funding
  • 3010 Old Ranch Pkwy, Suite 440, Seal Beach, CA, 90740
  • Operating predominantly in Los Angeles and Orange Counties since 1988, Progressive Loan Funding helps find the home financing that’s right for you. Progressive Loan Funding offers FHA, VA, Conventional and Jumbo loan programs with a full range of fixed and adjustable loan options. We service all home lending products, but specialize in FHA loans.
  • Midcity Mortgage
  • 3020 Old Ranch Parkway, Suite 300, Seal Beach, CA, 90740
  • The company goal is to provide real estate loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. We've been in business long enough to understand your problems
  • California Capital Resources Inc.
  • 12340 Seal Beach, Suite 307, Seal Beach, CA, 90740
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Endeavor Mortgage Group Inc.
  • 13001 Seal Beach Boulevard, Suite 210, Seal Beach, CA, 90740
  • Endeavor Mortgage offers a cost efficient individualized relationship focused approach to your mortgage needs with emphasis on your specific financial life goals. We use our unique relationships to find you the best rate and loan program, saving you valuable time, money and the stress of finding the perfect deal.
  • EMAC Financial
  • 350 Main Street, Suite D, Seal Beach, CA, 90740
  • EMAC Financial mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Bankers Preferred Mortgage Inc.
  • 3020 Old Ranch Parkway, Suite 300, Seal Beach, CA, 90740
  • BPM, we work hard to get you the best mortgage rate possible, so you have more money to enjoy your home, and your life. For over 30 years we’ve been putting people in homes and helping them keep more money in their pockets. To find out how much you’d like to borrow, try our mortgage calculator
  • Benefit Mortgage Lending Group, Inc.
  • 3550 Iris Cir, Seal Beach, CA, 90740
  • At Benefit Mortgage Lending Group, Inc. We are a full-service mortgage company based in Seal Beach, CA. We specialize in Home Purchase Loans and Refinance in Seal Beach. We also serve the surrounding cities in Orange County. Whether you are buying a home or refinancing in the zip code 90740, we can help you realize your dream of homeownership
  • Star Business Lending
  • 1001 Wilshire Boulevard #1326, Los Angeles, CA, 90017
  • We have tailor-made private, commercial, conventional, and hard money at your fingertips. Makes loans in all 50 States for short-term and long-term real estate investment properties. Their asset-based loans can close very quickly, within 3 days from an appraisal report and clear-to-close from the title company.
  • CTBC Bank Corp. (USA)
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  • CTBC Bank is a trusted and established institution providing our commercial and retail customers with a real financial bridge to the next stage of their lives and businesses. Our customers benefit from access to the best of both worlds – large bank resources coupled with individual attention and customized services of a small bank.
  • Royal Business Bank
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  • At RBB we combine the service benefits of a national bank with a personal banking touch that only a community bank can offer. We serve our community by offering Commercial and Industrial loans, residential mortgages and small business loans. Our staff has years of dedicated service living and working in our local communities