USDA VS FHA in Lowell, Middlesex County, MA

For 2025, 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 .

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

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.

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



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