For 2026, the USDA loan limit in Lowell, in the county of Middlesex, MA, is $675,000. In contrast, for a single-family home, the FHA limit is $828,000.
Leverage the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, which helps you to choose the best program suited to your financial needs in .
2026 Loan Limits and Down Payment Requirements in Lowell, Middlesex, MA
Loan Type
Loan Limit
Down Payment
USDA
$675,000
0%
FHA
$828,000
3.5%
Conventional Conforming
$828,000
3%
Exploring USDA and FHA Loan Options in Lowell, MA
The aim of Lendersa® is to ensure you get the best USDA or FHA loan promptly and without hassle. Begin with one of three pathways to locate matching lenders and available USDA loan programs.
A USDA home loan, supported by the government’s Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available solely in rural neighborhoods. While FHA loans demand a minimum 3.5% down payment, USDA loans require none.
The Lowell Firefighters Credit Union is a member owned and operated financial institution. Our mission is to educate our members and provide a reliable, secure, friendly financial environment, which features benefits and advantages from our financial services, in order to help members gain some measure of personal financial success
Enterprise Bank was founded through the entrepreneurial vision of George L. Duncan in 1988. We are headquartered in Lowell, Massachusetts, with branch locations throughout the Merrimack Valley and North Central regions of Massachusetts, as well as Southern New Hampshire.For over 30 years, Enterprise Bank has been supporting the financial needs of b
Locally governed and managed with over 165 years of strength and stability, Lowell Five is a service-oriented community bank providing comprehensive mortgage and loan products in excess of $20 million, extensive deposit and cash management products and services, and investment and insurance products for individuals, businesses, municipalities
We are a small but mighty federal credit union serving Greater Lowell, Massachusetts and surrounding communities. And we’re standing ready to help you achieve your financial goals. Whether it be through sitting down with you to create a budget or working with you to buy your first home, our focus is to help you build from here.
"Since 1922, Align Credit Union has provided customized banking solutions to individuals and families throughout Northeastern Massachusetts and Southern New Hampshire.
Align offers a full suite of products and services including Personal and Business Banking, Mortgages, Financial Planning and Insurance."
As a mortgage broker with more than 20 years of experience, Value Mortgage has the dedication and know how to get almost any transaction done. Whether you’re refinancing your house or purchasing your very first home Value Mortgage Corporation can help you with all your home financing needs.
Best Rate Mortgage MA was started in 2011 in Charlestown MA and now serves the entire Commonwealth with below market rates and personalized customer service. With loan officers located across the state and equipped with state of the art technology, the mortgage process is easily tailored to those who demand either in-person.
BMECU now offers now offers 24/7 mortgage approvals on-line with MortgageClick®, a full-service mortgage approval solution. Even before starting the application you can research loan options based on your financial information. MortgageClick® also contains loan calculators and educational information on the home-buying process
