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