USDA Vs. FHA Pro and Con comparison in Winthrop, Suffolk County, MA

For 2025, the USDA loan limit in Winthrop, located in Suffolk county, MA, is set at $0. In contrast, the FHA loan limit for a single-family home is $828,000.

Use the Lendersa® USDA loan calculator to compare the best current rates between USDA and FHA loans. Determine the income, credit score, reserves, and documents required to qualify. Our advanced mortgage calculator facilitates a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the best program tailored to your specific financial situation in .

Review offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Winthrop, Suffolk, MA

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

Exploring USDA and FHA Loan Options in Winthrop, MA

The aim at Lendersa® is to quickly secure you the best USDA or FHA loan with minimal hassle. Choose from three pathways to find the right lenders and relevant USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

A USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment.

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



  • Dynamic Mortgage LLC
  • 634 6th Street, Miami Beach, FL, 33139
  • The mission of the Dynamic Mortgage is to setup, promote and implement high quality standards for the sole purpose of providing low-cost mortgage financing to our wonderful qualified clients. Dynamic Mortgage is built on the principles of quality service and professionalism, the structure of Dynamic Mortgage enables a relationship building.
  • Halpern & Associates Mortgage Corp
  • 1680 Michigan Ave, Ste 1001, Miami Beach, FL, 33139
  • Halpern & Associates, our team is dedicated to making sure you get the right mortgage for your home. For over two decades, our company has worked with both domestic and international clients and also Halpern & Associates has built our business and reputation on 100% word-of-mouth referrals.
  • Foundation Mortgage Corporation
  • 1680 Michigan Ave STE 700, Miami Beach, FL, 33139
  • Foundation Mortgage is a multi-state licensed mortgage bank headquartered in Miami Beach, Florida.Foundation Mortgage is HUD Approved FHA Lender, VA Lender, and Mortgage Banker Association member, We offer Conventional Fannie Mae & Freddie Mac loan products, Govt FHA & VA mortgages, Reverse Mortgages, Jumbo loans.
  • Royal Capital Group
  • 1680 Michigan Ave Suite 700, Miami Beach, FL, 33139
  • "Royal Capital Group" is a provider of custom real estate financing solutions for owners, businesses, investors, and real estate professionals. Our commitment to your success is defined by our dedication to our work, in depth industry experience and innovative yet sound solutions.
  • Financial Triangle Inc.
  • 1205 Lincoln Road #201,, Miami Beach, FL, 33139
  • "Financial Triangle Inc. can finance your real estate in Florida, California, Texas & New York regardless of your citizenship, country of origin, with or without social security or credit in the United States our specialty, unconventional mortgage loans for business owners, independent contractors, foreign nationals & moreIne With so many choices
  • Hialeah Municipal Employees Federal Credit Union
  • 501 Palm Ave, Hialeah, FL, 33010
  • Hialeah Municipal Employees Federal Credit Union is a not-for-profit, cooperative financial institution serving its members since 1951 with a wide range of services to meet all their financial needs. Membership is open to all employees of the city of Hialeah, Florida; employees of this credit union.
  • Smart Home Lending
  • 6801 W. 107th St, Suite 106, Overland Park, KS, 66212
  • Purchasing a home is an important step of your life, whether it’s your first home or fifth move. We understand it. That’s why we built a mortgage company that places you and your needs at the center of everything we do. We specialize in a variety of mortgage services aimed at helping to secure all of your property-financing needs.
  • Elias Legra Inc
  • 525 East 9th Street, Hialeah, FL, 33010
  • Over 30 Years serving my clients, same location, same office. My Father Elias Legra Sr, came to the USA as immigrant from Holguín, Cuba. He struggled as most immigrants to establish himself to help our family as well as his clients. Starting from his home office in our utility room we now own and operate our Real Estate
  • Fortress Home Loans
  • 6801 W 107th St, Suite 106, Overland Park, KS, 66212
  • Jim Casson focus on residential home loans for clients.We offer the ideal combination of flexibility & experience.Our commitment is to ensure our clients have the right loan, at the right time, for the right reason.Residential home loans for clients.We offer the ideal combination of flexibility & experience. Our commitment is to ensure our client.
  • Galizet Home Lending
  • 2356 W 8th Court, Hialeah, FL, 33010
  • Galizet Home Lending has the right loan options to meet your individual needs. We offer low rates, great service and a simple process, but we offer that and so much more. Over 30 years of professional experience and commitment to excellence and it’s all delivered with a direct one-on-one personable touch.