USDA VS FHA in Lynn, Essex County, MA

For 2026, the USDA loan limit in Lynn, situated in the county of Essex, MA, is $675,000, while the FHA limit for a single-family home is $828,000.

Use the Lendersa® USDA loan calculator to compare top USDA and FHA rates today, determining the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Lynn, Essex, 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 Lynn, MA

The goal of Lendersa® is to quickly and effortlessly provide you with the best USDA or FHA loan. Choose one of three starting points to match with lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

The USDA home loan is guaranteed by the government's Department of Agriculture, also called the USDA rural development loan or USDA mortgage, and is available exclusively in rural neighborhoods. Unlike FHA loans, which require a minimum of 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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