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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Search USDA Direct Loan Limits (for low income applicants)
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 |
