For the year 2026, the loan limit for USDA in Dracut, located in the county of Middlesex, MA, is established at $675,000, while the FHA limit stands at $828,000 for a single-family residence.
Utilize the Lendersa® USDA loan calculator to compare the prime USDA versus FHA rates available today. Identify the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, helping you choose the optimal program in
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| Loan Type | Limit | Down Payment |
| USDA | $675,000 | 0% |
| FHA | $828,000 | 3.5% |
| Conventional Conforming | $828,000 | 3% |
The objective of Lendersa® is to provide you with the best USDA or FHA loan promptly and with ease. Choose one of three entry points that lead to matching with suitable lenders and accessing USDA loan programs.
A USDA home loan is supported by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage. It's available only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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