USDA and FHA Pro and Con in Lincoln, Middlesex County, MA

In 2025, USDA loan limit in Lincoln, county of Middlesex, MA is $675,000 while FHA limit is $828,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Lincoln, county of 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 options in Lincoln, MA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Massachusetts?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • HI Velocity Mortgage
  • 94-498 Alapoai St, Mililani, HI, 96789
  • HI Velocity Mortgage was started with the vision to offer great rates with exceptional service. We strive to simplify the mortgage process while tailoring to your specific financial goals. and also HawaiiVALoans. He has a wide variety of experience finding his clients’ needs and helping them fulfill their home buying goals.
  • University of Hawai’i Federal Credit Union
  • 2019 South King Street, Honolulu, HI, 96826
  • At the University of Hawai'i at Manoa, we are a not-for-profit financial cooperative owned and operated by our members. In keeping with our philosophy of "people helping people," we offer a wide range of financial products and services with the highest level of service directed primarily to the University of Hawai'i community.
  • Hawaii Law Enforcement Federal Credit Union
  • 1936 South King Street, Honolulu, HI, 96826
  • The Hawaii Law Enforcement Federal Credit Union was originally formed in 1937 as the Honolulu Police Federal Credit Union by a group of police officers. The goal was to create a financial institution to serve the unique financial needs of the employees of the Honolulu Police Department.
  • Hawaii Private Loans, 808-2-money-2
  • 1415 Kalakaua Avenue, Suite 209, Honolulu, HI, 96826
  • Specializing in Large, Fast, Hard Money Loans, secured by Real Estate. Joint Venture, JV partners with cash are available to consider any Hawaii Real Estate Rehab, Fix & Flip or Investment...Hard Money Loans, secured by Real Estate. Joint Venture, JV partners with cash are available to consider any Hawaii
  • HOUSE OF FINANCE
  • 2300 North King Street, Honolulu, HI, 96819
  • "House of Finance, Inc. was licensed on July 27th, 1995 as an Industrial Loan Business by Mr. & Mrs. Roland and Evelyn Casamina. Mr. Casamina, who is the current President and Chief Executive Officer of House of Finance, Inc., founded the company to service the people of the State of Hawaii when it came to the purchasing.
  • Mahalo Mortgage Corp
  • 1620 Glen Avenue, Wahiawa, HI, 96786
  • Mahalo Mortgage is a kama‘aina company that offers a diverse range of loan programs, including government products such as FHA, VA and USDA. These programs provide qualifying individuals lower down payment options as well as increased flexibility in credit and income requirements
  • Paradise Home Mortgage
  • 1837 Kalakaua Ave Ste 1704, Honolulu, HI, 96815
  • · Ultra Low “Wholesale Mortgage Rates” for Refinances and Purchases! · Over 200 1st Party 5 Star Online Reviews! · Company and Head Broker vetted by Hawaii's Channel 2 TV News and named “The Local Mortgage Expert” · Expertise.com AWARD FOR BEST OF BEST BROKER in California & Hawaii! · A+ Rated and Accredited with the Better Business Bur
  • American Family Lending
  • 1888 Kalakaua Avenue, Suite C312, Kailua, HI, 96815
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages. We are based in Hawaii, and concentrate on Hawaii only. Broker support available 8am to 8pm. Company updates on current and future compliance issues
  • Territorial Savings Bank
  • PO Box 1481, Honolulu, HI, 96806
  • Territorial Savings Bank has come a long way from its humble beginnings in 1921 when ten individuals came together to establish the Kaimuki Building & Loan Association. Committed to providing personal financial services to our customers and keeping in step with community needs and account holder expectations
  • Hawaii Community Reinvestment
  • PO Box 3409, Honolulu, HI, 96801
  • Hawaii Community Reinvestment Corporation (HCRC) is a 501(c)3 community-based non-profit corporation founded in 1990. The mission of HCRC is to facilitate affordable housing, community development, and economic development throughout the State of Hawaii by providing innovative financing, training and consulting services.
  • Allan Inouye Appraisals
  • PO Box 240540, Honolulu, HI, 96824
  • Our investment in technology means faster turn times for our clients and lower costs for us (and subsequently you). And first and foremost, we keep in mind the importance of customer service. So following the Golden Rule, we treat our clients as we'd want to be treated ourselves whether we're in person, having a phone conversation
  • Infinite Financial LLC
  • 1050 Queen St, Suite 100, Office A2, Honolulu, HI, 96814
  • Duncan Hsia founded Infinite Financial to offer customers the best real estate financing options for their purchases or refinances. Duncan has helped many customers at other mortgage lenders over the years, but was frustrated to be limited to certain products and services. Now, at Infinite Financial, he’ll be able to build a team.