For 2026, the USDA loan limit within Lincoln, situated in the county of Middlesex, MA amounts to $675,000, whereas the FHA loan ceiling for a single-family home is $828,000.
Take advantage of the Lendersa® USDA loan calculator to contrast today's most favorable USDA versus FHA rates and understand the necessary income, credit score, reserves, and documents for qualification. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, particularly for those in Alabama, facilitating your choice of the most appropriate program for your individual financial needs.
Compare loan offers from a pool of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $675,000 | 0% |
| FHA | $828,000 | 3.5% |
| Conventional Conforming | $828,000 | 3% |
The primary aim of Lendersa® is to secure for you an optimal USDA or FHA loan rapidly, with minimal hassle. Begin the journey by selecting one of three initial paths, each leading to potential connections with suitable lenders and various USDA loan programs.
A USDA home loan, endorsed by the United States Department of Agriculture, is often termed a USDA rural development loan or USDA mortgage, and is primarily accessible in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage obligates no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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