USDA and FHA Pro and Con in Woburn, Middlesex County, MA

As of 2026, the USDA loan limit in Woburn, within Middlesex county, MA, is $675,000, while the FHA limit stands at $828,000 for a single-family home.

Leverage the Lendersa® USDA loan calculator to contrast today's leading USDA vs. FHA rates, and ascertain the income, credit score, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in determining the ideal program for your financial needs in .

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2026 Loan Limits and Downpayment Requirements in Woburn, 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 Woburn, MA

The primary aim of Lendersa® is to efficiently secure the optimal USDA or FHA loan for you, swiftly and hassle-free. Choose from three pathways to connect with lenders and delve into USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in MA

The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is solely available for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages demand none.

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



  • St. Jean's Credit Union
  • 250 Maple Street, Lynn, MA, 01904
  • Since 1910, we’ve offered an array of comprehensive and affordable banking programs to help individuals, families, and business owners reach their goals. Though we have grown over the years, we have remained true to our mission to fulfill the needs of our diverse membership with the utmost integrity and privacy
  • Olive Tree Mortgage Solutions, Inc
  • 70 Leo M. Birmingham Pkwy, Brighton, MA, 02135
  • Olive Tree was designed to put your needs first. With us you will get a low rate, cutting edge technology & commitment and dedication throughout the loan process. Olive Tree Mortgage, your local Independent mortgage experts create the speed (quick) & pricing (lower rates and fees) only competition among the best lenders in the country can provide.
  • Westchester Mortgage
  • 321 Walnut Street, Suite 412, Newtonville, MA, 02460
  • Debbie Siegel founded her mortgage brokerage firm Westchester Mortgage in 2000. Since then, she has helped hundreds of clients buy or refinance their homes. In addition, she’s cultivated an extensive professional network of real estate attorneys, insurance agents, contractors, mediators, business coaches, and financial planners.
  • Peabody Municipal Federal Credit Union
  • 12 Chestnut Street, Peabody, MA, 01960
  • The Peabody Municipal FCU is a nonprofit organization independent of the City of Peabody. Credit Union is owned and operated by its members to encourage savings and to provide funds for member needs at competitive rates. and also Peabody Municipal Federal Credit Union is dedicated to providing competitive financial products and superior service to
  • Luso American Credit Union
  • 37 Tremont Street, Peabody, MA, 01960
  • Luso American Credit Union was founded in 1960 to serve the financial needs of the local community. We are a full service Credit Union and offer financial products, services, and delivery channels that you may expect from a larger financial institution, with the personalized and professional service that you crave.
  • Miller Mortgage, LLC
  • 515 Lowell Street, Suite 1, Peabody, MA, 01960
  • Miller Mortgage is a licensed mortgage broker in Massachusetts & New Hampshire.Located Boston in Peabody, MA our mission is to provide the best customer service & secure the lowest mortgage interest rates from our lending partners.Our volume enables us to procure very low mortgage rates and flexible programs in the Massachusetts and New Hampshire.
  • Forward Financing
  • 53 State Street, Boston, MA, 02109
  • Forward Financing is a Boston-based financial technology company that provides fast, flexible working capital to small businesses nationwide. Our dedicated account representatives and advanced proprietary technology help our customers spend less time finding capital and more time growing their business.
  • Boston Private
  • 10 Post Office Square, Boston, MA, 02109
  • Boston Private We bring together a full spectrum of wealth, trust and banking services to give you the one trusted resource you need to simplify and strengthen your financial life. and also Boston Private is a bank with operations in four states. Boston Private offers numerous mortgage programs including conventional, jumbo, non-owner occupied, Hom
  • WHOLESALE MORTGAGE ADVISORS, LLC
  • 236 Commercial Street, Suite 100R, Boston, MA, 02109
  • Tim Lacyk, dove head first into the mortgage industry some 15 years ago. Originally hired as a Loan Closer (coordinates with Title the closing process the final loan figures, balances, and wires the money to closing), he also moved through a variety of roles after that, including post-closing management.
  • Investors Choice Lending
  • 8 Faneuil Hall Marketplace 3rd fl, Boston, MA, 02109
  • Investors Choice Lending is a private hard money lender offering Boston’s real estate investors a unique opportunity to secure the funds they need. When you’ve got eyes on your next investment property, there’s nothing you want more than to close quickly and without hassle. We’ve aligned ourselves with many National lending resources.
  • Blue Door Mortgage
  • 440 Harvard Street, Brookline, MA, 02446
  • With 21+ years in the Mortgage Brokerage business, BDM has helped THOUSANDS of homeowners purchase or refinance their properties. It’s a big step to purchase a new home or refinance a current mortgage loan – know that you can rely on Blue Door Mortgage to find the best loan program for you.
  • Edward Voccola & Co. LLC
  • 75, Arlington Street, Suite 500 Boston, MA 02116, Boston, MA, 02116
  • Edward Voccola & Co. LLC – Commercial Real Estate Financing Commercial & Project Finance, Joint Venture Lending, Construction, Hotels, 100% Bond & Equity Financing, US & Worldwide We offer the following kinds of loans; * Personal Loans (Unsecured Loan), * Business Loans (Unsecured Loan), * Commercial Real Estate Loans, * Construction Loans, *