Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Massachusetts. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Massachusetts Guaranteed USDA Loan Limits

Area
1-4 Person Households
5-8 Person Households
Barnstable Town, MA MSA$357,000$417,000
Berkshire County, MA (part) HUD Metro FMR Area$357,000$417,000
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area$374,000$417,000
Brockton, MA HUD Metro FMR Area$357,000$417,000
Dukes County, MA$357,000$417,000
Eastern Worcester County, MA HUD Metro FMR Area$357,000$417,000
Easton-Raynham, MA HUD Metro FMR Area$357,000$417,000
Fitchburg-Leominster, MA HUD Metro FMR Area$357,000$417,000
Franklin County, MA$357,000$417,000
Lawrence, MA-NH HUD Metro FMR Area$357,000$417,000
Lowell, MA HUD Metro FMR Area$357,000$417,000
Nantucket County, MA$417,000$417,000
New Bedford, MA HUD Metro FMR Area$357,000$417,000
Pittsfield, MA HUD Metro FMR Area$357,000$417,000
Providence-Fall River, RI-MA HUD Metro FMR Area$357,000$417,000
Springfield, MA MSA$357,000$417,000
Taunton-Mansfield-Norton, MA HUD Metro FMR Area$357,000$417,000
Western Worcester County, MA HUD Metro FMR Area$357,000$417,000
Worcester, MA HUD Metro FMR Area$357,000$417,000
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