In 2026, the USDA loan limit in Somerville, located in Middlesex county, MA, is $675,000. In comparison, the FHA limit for a single-family house is $828,000.
Utilize Lendersa®'s USDA loan calculator to compare today's top USDA and FHA rates, determining the required income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you select the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $675,000 | 0% |
| FHA | $828,000 | 3.5% |
| Conventional Conforming | $828,000 | 3% |
The aim of Lendersa® is to quickly secure for you the best possible USDA or FHA loan, without hassle. Choose one of three starting options to match with lenders and USDA loan programs.
A USDA home loan is backed by the government's Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. It is available only in rural areas. Unlike FHA loans, which require at least a 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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