In 2026, the USDA loan limit in Saugus, situated in Essex county, MA, is capped at $675,000, while the FHA loan limit for a single-family home is $828,000.
Take advantage of the Lendersa® USDA loan calculator to compare the optimal USDA and FHA rates available today, helping you ascertain the income, credit, reserves, and necessary documents to qualify. With our sophisticated mortgage calculator, you can see side-by-side comparisons of USDA, FHA, Conforming, and VA loans, assisting you in choosing the perfect program for your specific financial circumstances in
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| Loan Type | Loan Cap | Down Payment |
| USDA | $675,000 | 0% |
| FHA | $828,000 | 3.5% |
| Conventional Conforming | $828,000 | 3% |
The objective at Lendersa® is to swiftly secure the best possible USDA or FHA loan for you without hassle. Begin with one of three starting points that connect you with lenders offering USDA loan programs.
A USDA home loan is a government-backed mortgage facilitated by the Department of Agriculture, known as a USDA rural development loan, offered only in rural areas. In contrast to FHA loans requiring a minimum down payment of 3.5%, USDA loans demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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