USDA VS FHA in Waltham, Middlesex County, MA

During 2025, in the county of Middlesex, Waltham, MA, the USDA loan limit is set at $675,000. For single-family homes, the FHA imposes a limit of $828,000.

Try Lendersa® USDA loan calculator to compare the top current USDA and FHA rates, determining the income, credit score, reserves, and requisite documents to qualify. Our advanced mortgage tool allows you to view USDA, FHA, Conforming, and VA loan details side by side, helping to choose the best program in suiting your financial needs.

Explore loan offers from over 100 lenders

Details on 2025 loan limits and down payment needs in Waltham, Middlesex county, MA

Loan Type Loan Limit Down payment
USDA $675,000 0%
FHA $828,000 3.5%
Conventional Conforming $828,000 3%

Discover USDA and FHA loan varieties in Waltham, MA

The aim of Lendersa® is to ensure you receive the most favorable USDA or FHA loan efficiently, avoiding any complications. Choose one of the three options below to connect with lenders offering USDA loans.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

A USDA home loan, endorsed by the U.S. Department of Agriculture, alternatively known as the USDA rural development loan or USDA mortgage, is designed solely for rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages require none.

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



  • Fidelity Mortgage Lenders, Inc.
  • 11952 Wilshire Boulevard, Los Angeles, CA, 90025
  • Fidelity Mortgage Lenders, Inc. has been funding real estate loans in Southern California since 1971. At Fidelity Mortgage Lenders, we base our loan qualifications on the property value, not on the borrowers’ credit. We can fund your next Commercial Real Estate Loans, whether small or large. No Tax Returns, Fast Funding.
  • Dominion Mortgage
  • 1990 S. Bundy Drive, Suite 640, Los Angeles, CA, 90025
  • Dominion Mortgage Corporation is a privately held real estate mortgage lender that finances income-producing commercial and healthcare properties nationwide. Founded in 1977 in West Los Angeles, California, Dominion was formed to provide time-sensitive, fair and creative underwriting solutions to fund your mortgage loan.
  • CoreVest
  • 11601 Wilshire Blvd., Suite 370, Los Angeles, CA, 90025
  • CoreVest is a private lender that specializes in loans to residential real estate investors. We offer long-term loans for stabilized rental properties and portfolios, short-term bridge loans and credit lines for acquisitions, as well as construction financing and build to rent loans.
  • Patch of Land
  • 1964 Westwood Blvd, Suite 350, Los Angeles, CA, 90025
  • Patch of Land is crowdfunding real estate through its P2RE (peer-to-peer) online marketplace offering various typologies of secured real estate debt on assets backed by first position liens and personal guarantees.We make it possible to invest and make a good return while also contributing to something good.
  • Chasity Lousteau
  • 17337 Ventura Blvd, Suite 300, Encino, CA, 91316
  • Chasity is a licensed Real Estate Broker and Mortgage Loan Originator based at Huntington Group. She provides residential real estate services to homeowners in the West San Fernando Valley cities of West Hills, Woodland Hills, Topanga, Calabasas, Bell Canyon, Canoga Park, Chatsworth and surrounding areas throughout Los Angeles & Ventura Counties.
  • California Prime Capital
  • 17412 Ventura Blvd, Suite 131, Encino, CA, 91316
  • California Prime Capital is a Los Angeles-based private money lender specializing in short-term real estate loans. By providing the fastest and most reliable funding options on the market, we have established ourselves as a key player in the lending sector for real estate investments.
  • Robbins & Lloyd Mortgage Inc.
  • 17337 Ventura Boulevard, Suite 100, Encino, CA, 91316
  • Robbins & Lloyd Mortgage Inc. is no longer just a mortgage, and must be seen as part of your overall debt management strategy and an integral part of your financial plan. Our team is committed to providing expert advice to you and your family in order to protect one of your most valuable assets – your home.
  • My Loan Underwriters
  • 17609 Ventura Boulevard, Suite 208, Encino, CA, 91316
  • My Loan Underwriters provide our borrowers, agents and business affiliates with a streamlined loan financing process, delivering exceptional service, competitive pricing and an array of loan programs. Our industry education and funding source relationships make us uniquely qualified to help our clients select the best product.
  • First Nation Financial Corp
  • 17609 Ventura Boulevard, Suite 208, Encino, CA, 91316
  • First Nation Financial Corp began with the belief that our clients’ best interest is our #1 priority. Today, this philosophy is more important than ever. Our loan officers, Jan and Kam, each with 30 years of experience, will utilize their resources to obtain the best and most competitive loan for you.
  • Go Direct Lenders, LLC
  • 17525 Ventura Boulevard, Suite 107, Encino, CA, 91316
  • 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.
  • eLoan Group, Inc.
  • 6740 Tampa Avenue, Reseda, CA, 91335
  • eLoan Group, Inc. is a mortgage brokerage firm specializing in conventional, conforming, FHA, VA, USDA, jumbo, super Jumbo, reverse mortgages, commercial, construction and private money loans. A family business since 1990, we pride ourselves on our exceptional service, decades of experience, and lending programs tailored to our valued clients.
  • Parishioners Federal Credit Union
  • 2355 Crenshaw Blvd, Suite 100, Torrance, CA, 90501
  • Since 1961, Parishioners Federal Credit Union has provided its members with greater financial value than they could receive anywhere else. We were founded and chartered thanks to the efforts of Monsignor J. Augustine O'Gorman of St. James Parish in Redondo Beach. He realized that a member-owned financial cooperative would understand.