USDA Guaranteed Loans are the most popular rural development mortgage program in Massachusetts.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with Massachusetts USDA income limits playing a major role.  Guaranteed Loan income limits across MA are listed below.

Massachusetts USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Barnstable Town, MA MSA$100,900$133,200
Berkshire County, MA (part) HUD Metro FMR Area$100,900$133,200
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area$105,000$138,600
Brockton, MA HUD Metro FMR Area$100,900$133,200
Dukes County, MA$100,900$133,200
Eastern Worcester County, MA HUD Metro FMR Area$100,900$133,200
Easton-Raynham, MA HUD Metro FMR Area$100,900$133,200
Fitchburg-Leominster, MA HUD Metro FMR Area$100,900$133,200
Franklin County, MA$100,900$133,200
Lawrence, MA-NH HUD Metro FMR Area$100,900$133,200
Lowell, MA HUD Metro FMR Area$100,900$133,200
Nantucket County, MA$125,800$166,050
New Bedford, MA HUD Metro FMR Area$100,900$133,200
Pittsfield, MA HUD Metro FMR Area$100,900$133,200
Providence-Fall River, RI-MA HUD Metro FMR Area$100,900$133,200
Springfield, MA MSA$100,900$133,200
Taunton-Mansfield-Norton, MA HUD Metro FMR Area$100,900$133,200
Western Worcester County, MA HUD Metro FMR Area$100,900$133,200
Worcester, MA HUD Metro FMR Area$100,900$133,200
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