USDA VS FHA in Melrose, Middlesex County, MA

In 2026, the USDA loan limit for Melrose in Middlesex, MA is $675,000, while the FHA limit for a single-family home is $828,000.

With Lendersa®'s USDA loan calculator, compare today's USDA and FHA rates. Determine the necessary income, credit score, reserves, and documents to qualify. Our advanced calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you select the best option for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Melrose, 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 Melrose, MA

Lendersa® is dedicated to providing you the best USDA or FHA loan quickly and without difficulty. Choose one of three starting options that match you with suitable lenders and USDA loan programs.

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Understanding USDA Loans in MA

A USDA home loan, guaranteed by the Department of Agriculture and known as the USDA rural development loan, is available exclusively for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans have no down payment requirement.

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



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  • 3515 W. 75th Street, Prairie Village, KS, 66208
  • Bank Of Prairie Village is a branch office of Bank Of Prairie Village. They provide the following services: Full Service Office Location and are located at 3515 W. 75th Street in Prairie Village Kansas.
    Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website

  • Elite Mortgage Group, LLC
  • 7301 Mission Road, Suite 254B, Prairie Village, KS, 66208
  • Founded in 2014 and located in the Kansas City, MO area. Licensed in MO, KS, CO, FL, and GA. We have been in the Mortgage service business for over 6 successful years. This longevity and confidence comes from our Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.

  • Fountain Mortgage
  • 7501 Mission Rd, Suite 200, Prairie Village, KS, 66208
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  • AMC Mortgage Corporation
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  • Farmers State Bank
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    With over 15 years of experience, Alto Capital is the premier lender connecting private capital with solid real estate investments across the United States.

  • Bridge Mortgage Bankers Inc
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  • MS National Guard Federal Credit Union
  • 142 Military Drive, Flowood, MS, 39232
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  • Diversified Mortgage Corporation
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