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$110,850$146,300
Berkshire County, MA (part) HUD Metro FMR Area$110,850$146,300
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area$147,050$194,100
Brockton, MA HUD Metro FMR Area$110,850$146,300
Dukes County, MA$111,550$147,250
Eastern Worcester County, MA HUD Metro FMR Area$110,850$146,300
Easton-Raynham, MA HUD Metro FMR Area$110,850$146,300
Fitchburg-Leominster, MA HUD Metro FMR Area$110,850$146,300
Franklin County, MA HUD Nonmetro FMR Area$110,850$146,300
Lawrence, MA-NH HUD Metro FMR Area$110,850$146,300
Lowell, MA HUD Metro FMR Area$110,850$146,300
Nantucket County, MA$125,800$166,050
New Bedford, MA HUD Metro FMR Area$110,850$146,300
Pittsfield, MA HUD Metro FMR Area$110,850$146,300
Providence-Fall River, RI-MA HUD Metro FMR Area$94,150$124,300
Springfield, MA MSA$110,850$146,300
Taunton-Mansfield-Norton, MA HUD Metro FMR Area$110,850$146,300
Western Worcester County, MA HUD Metro FMR Area$110,850$146,300
Worcester, MA HUD Metro FMR Area$110,850$146,300
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