During 2026, 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
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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 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.
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?
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