USDA and FHA Pro and Con in Medford, Middlesex County, MA
In 2026, the USDA loan limit for Medford within Middlesex county in MA is $675,000; the FHA limit for a single-family home is $828,000.
Utilize Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates and determine the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage tool, view USDA, FHA, Conforming, and VA options side by side, guiding your decision for the best program in for your financial needs.
2026 Loan Limits and Downpayment Requirements in Medford, 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 Choices in Medford, MA
The mission of Lendersa® is to proficiently secure the best USDA or FHA loan for you promptly, without hassle. Select one of the three pathways to connect with lenders and explore USDA loan programs.
A USDA loan, guaranteed by the U.S. Department of Agriculture, known also as a USDA rural development loan, is specific to rural communities. Unlike FHA loans, which need a minimum 3.5% down payment, USDA loans require no down payment at all.
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Winchester Savings Bank is an equal opportunity employer, and all qualified job applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.
