USDA Loan Vs. FHA loan pro & con Stoneham, Middlesex County, MA

For 2026, the USDA loan limit in Stoneham, located in the county of Middlesex, MA, is $675,000. Meanwhile, the FHA limit for a single-family home stands at $828,000.

Take advantage of the Lendersa® USDA loan calculator to compare the best rates between USDA and FHA options today. Determine the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can easily analyze USDA, FHA, Conforming, and VA loans side by side, allowing you to make the best decision for your financial situation in .

USDA and FHA Loan Options in Stoneham, MA

The aim of Lendersa® is to quickly provide you with the ideal USDA or FHA loan without any hassle. Start with one of three paths that align with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in MA

A USDA home loan is backed by the government via the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, a USDA mortgage eliminates the need for any down payment.

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(888) 244-9099 Lender's profile and map Reviews Forward Financing 53 State Street, Boston, MA, 02109 Forward Financing is a Boston-based financial technology company that provides fast, flexible working capital to small businesses nationwide. Our dedicated account representatives and advanced proprietary technology help our customers spend less time finding capital and more time growing their business.
(617) 912-1900 Lender's profile and map Reviews Boston Private 10 Post Office Square, Boston, MA, 02109 Boston Private We bring together a full spectrum of wealth, trust and banking services to give you the one trusted resource you need to simplify and strengthen your financial life. and also Boston Private is a bank with operations in four states. Boston Private offers numerous mortgage programs including conventional, jumbo, non-owner occupied, Hom
(303) 547-0054 Lender's profile and map Reviews WHOLESALE MORTGAGE ADVISORS, LLC 236 Commercial Street, Suite 100R, Boston, MA, 02109 Tim Lacyk, dove head first into the mortgage industry some 15 years ago. Originally hired as a Loan Closer (coordinates with Title the closing process the final loan figures, balances, and wires the money to closing), he also moved through a variety of roles after that, including post-closing management.
617 302 8155 Lender's profile and map Reviews Investors Choice Lending 8 Faneuil Hall Marketplace 3rd fl, Boston, MA, 02109 Investors Choice Lending is a private hard money lender offering Boston’s real estate investors a unique opportunity to secure the funds they need. When you’ve got eyes on your next investment property, there’s nothing you want more than to close quickly and without hassle. We’ve aligned ourselves with many National lending resources.
(617) 233-3097 Lender's profile and map Reviews MDO Mortgage LLC 10 Bremen Street, 2nd Floor, East Boston, MA, 02128 Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(617) 928-9000 Lender's profile and map Reviews Watertown Savings Bank 60 Main Street, Watertown, MA, 02472 Our mission is to be a safe and secure, independent mutual bank committed to being a leader in delivering superior personal service, quality products, and banking convenience to customers and local communities and Watertown Savings Bank wants to continue to help those it serves--customers, non-profit organizations, communities.
(617) 924-0160 Lender's profile and map Reviews Watertown Municipal Credit Union 149 Main Street, Watertown, MA, 02472 The Mission of the Watertown Municipal Credit Union is to serve the employees of Watertown and their families by offering high quality financial products and services. The Watertown Municipal Credit Union shall protect its member’s financial assets through a conservative management style that pays high rates on shares and charges reasonable interes
(781) 736-9900 Lender's profile and map Reviews RTN Federal Credit Union 600 Main Street, Waltham, MA, 02452 We’re a member-owned, non-profit financial cooperative, governed by a volunteer Board of Directors. At RTN, we’re committed to helping you achieve financial well-being through quality products & services, personalized service & access to financial education.We provide individualized attention, whether you’re opening an account, applying for a loan.
(617) 717-6100 Lender's profile and map Reviews Ethic, a Wealth Bank 125 High Street, 17th Floor, Boston, MA, 02110 We created Ethic, A Wealth Bank to fulfill a need. People want to feel connected, understood, and valued. We understand this only can be accomplished through building meaningful and long-lasting relationships, which is why relationships are at the heart of all we do. Our mission is to provide clients with advice, tools, services and solutions.
(800) 327-8376 Lender's profile and map Reviews Eastern Bank 265 Franklin St, Boston, MA, 02110 Our history goes back over 200 years. We offer banking, investments, and insurance all under one roof, and we pride ourselves on working harder to understand our customers’ needs so we can deliver these services in a committed and personal way. Founded in 1818 and headquartered in Boston
(844) 947-2848 Lender's profile and map Reviews Own Up 101 Arch Street, Suite 410, Boston, MA, 02110 Our founders used to be mortgage bankers, yet they didn’t go to their own bank to get a mortgage. Their expertise enabled them to pursue better financial outcomes elsewhere. They built Own Up to allow you to get your mortgage the same way they did. We use technology to simplify the home financing process.
617 947 8070 Lender's profile and map Reviews Raymond C. Green Companies 155 Federal St, Ste 1300, Boston, MA, 02110 The Raymond C. Green Companies is a direct, private lending organization located in Boston, MA. We provide fast, short term financing to builders, developers, and real estate investors throughout New England. Our borrowers are primarily those in need of closing quickly, and/or those seeking alternatives to traditional bank financing.