USDA and FHA Pro and Con in 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 .
Loan Limits and Downpayment Requirements for 2026 in Stoneham, County of 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 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.
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.
StonehamBank is a full-service community bank offering state of the art products & services to residents and businesses throughout eastern Massachusetts and southern New Hampshire. In addition to providing progressive products and convenience services, StonehamBank believes in giving back to the community through its Community Involvement Program.
Members Mortgage Company was founded in 1994, to meet the mortgage lending needs of New England credit unions. At the time, most of the mortgage lending options available to credit unions were organizations only interested in acquiring servicing rights for their loans, or mortgage brokers with reduced accountability for their own mistakes.
Wakefield Co-operative Bank is continually expanding our personal and business banking services, our residential and commercial lending, and our supplementary digital services to better enable our customers to manage their finances. We foresee great opportunity for deposit, lending, and financial services growth and are optimistic.
The Savings Bank is a community bank founded back in 1869 and is headquartered in Wakefield, Massachusetts in the heart of Middlesex County. TSB offers a complete range of both Commercial and Consumer banking products and has eight full-service branches. Member FDIC, Member DIF, and Equal Housing Lender.
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.
Since 1960, Northern Bank has been the banking partner of choice for businesses and consumers throughout New England. We take an entrepreneurial, commonsense approach to providing a complete line of banking solutions. We are deeply invested in the communities we serve and passionately committed to helping you, our customers, grow.
Common Trust Federal Credit Union is a member-owned financial institution that provides personal banking services. Our mission is to be the familiar face that guides our membership to financial stability by building lifelong relationships with each individual and providing them with the solutions needed to meet their unique goals
300 Trade Center Drive, Suite 4580, Woburn, MA, 01801
Lends in Massachusetts
Priority Funding Solutions specializes in getting your business the capital it needs fast. Small and medium businesses sometimes struggle to raise the funds needed to succeed when going through a bank or other traditional lender. Priority Funding Solutions approves satisfactory applications in as little as 24 hours.
At Sparta Financial, LLC we use our experience to help our clients achieve their dream of home-ownership throughout Massachusetts & New Hampshire. We carefully analyze their needs to ensure they end up with the right mortgage product. Our mission is simple; Provide great service and develop long lasting relationships
