FHA VS Conventional loan programs in Harvard, Worcester County, Massachusetts

In 2026, the maximum limit for a Conventional loan in Harvard, Worcester county, MA is $726,200, whereas the FHA loan limit for a single-family home is $472,030.

With Lendersa's® Conventional loan calculator, you can compare the top rates of today for Conventional, FHA, and USDA loans. It helps you figure out the necessary income, credit, reserves, and documents for qualification. This advanced calculator showcases Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in selecting the most suitable program in MA for your financial situation.

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Loan Limits and Down Payment Requirements for 2026 in Harvard, Worcester, MA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This applies to these zip codes: 01434

Exploring Conventional and FHA Loan Choices in Harvard, MA

The mission of Lendersa® is to swiftly assist you in securing the best possible Conventional, USDA, or FHA loan smoothly and easily. Choose from one of three starting points to connect with appropriate lenders and loan programs.

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  • Team Hunton
  • 50 Elm Street, Suite 8, Worcester, MA, 01609
  • We are a full-service mortgage brokerage with access to over 50 different lending options to help find you the best rate and best structure for your mortgage to suit your short and long term financial needs We can offer access to a myriad of mortgage types from no down payments & first time home buyer programs to investor loans

  • Traditional Mortgage Inc
  • 63 Simpson Rd, Pelham, NH, 03076
  • Traditional Mortgage, Inc. was founded in 2004 and is a full service mortgage company located in Pelham, New Hampshire. We offer a wide range of products including, purchases, refinancing options and debt consolidation products. We are licensed in New Hampshire, Maine and Massachusetts.

  • MutualOne Bank
  • 49 Main Street, Natick, MA, 01760
  • Headquartered in Framingham, we are able to offer our customers the benefit of local decision making from people who live & work in their community. This allows us to support the local economy & the organizations that work so hard to strengthen it. MutualOne Bank meets the needs of its customers with a variety of checking, savings, consumer loan.

  • Zenith Mortgage Advisors
  • 74 South St, Hopkinton, MA, 01748
  • Zenith Mortgage is a full service mortgage broker licensed to do business in MA. We serve our clients before, during, and after each and every transaction. We love to provide first time buyers with a foundation of knowledge so they can move through the process smoothly, and well informed.

  • Prime Rate Home Mortgage, LLC.
  • 34 Hayden Rowe St, Suite 158, Hopkinton, MA, 01748
  • At Prime Rate Home Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.

  • Homefield Credit Union
  • 86 Worcester St, North Grafton, MA, 01536
  • Homefield Credit Union is a community-based credit union founded in 1966. Originally chartered as Grafton Suburban Credit Union with a field of membership including those in the Greater Grafton area, HCU has grown to include a field of membership encompassing all of Worcester and Middlesex counties.

  • RTN Federal Credit Union
  • 600 Main Street, Waltham, MA, 02452
  • We’re a member-owned, non-profit financial cooperative, governed by a volunteer Board of Directors. At RTN, we’re committed to helping you achieve financial well-being through quality products & services, personalized service & access to financial education.We provide individualized attention, whether you’re opening an account, applying for a loan.

  • Northern Bank & Trust Company
  • 275 Mishawum Road, Woburn, MA, 01801
  • Since 1960, Northern Bank has been the banking partner of choice for businesses and consumers throughout New England. We take an entrepreneurial, commonsense approach to providing a complete line of banking solutions. We are deeply invested in the communities we serve and passionately committed to helping you, our customers, grow.

  • Common Trust Federal Credit Union
  • 8 Cedar Street, Woburn, MA, 01801
  • Common Trust Federal Credit Union is a member-owned financial institution that provides personal banking services. Our mission is to be the familiar face that guides our membership to financial stability by building lifelong relationships with each individual and providing them with the solutions needed to meet their unique goals

  • Sparta Financial LLC
  • 400 TradeCenter, Suite 5900, Woburn, MA, 01801
  • At Sparta Financial, LLC we use our experience to help our clients achieve their dream of home-ownership throughout Massachusetts & New Hampshire. We carefully analyze their needs to ensure they end up with the right mortgage product. Our mission is simple; Provide great service and develop long lasting relationships

  • LENDMARK MORTGAGE COMPANY
  • 400 Tradecenter Dr Suite #5900, Woburn, MA, 01801
  • Lendmark Mortgage Corporation is a Mortgage Brokerage company specializing in providing a variety of mortgage loans. Since its inception in 2005, Lendmark has experienced significant growth by following its original mission of meeting the personal lending needs of clients, by offering a combination of low rates and superior service.