FHA VS Conventional loan programs in 2025 for Sterling, Worcester County, Massachusetts

In 2025, Convetional loan limit in Sterling, county of Worcester, MA is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in MA is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Sterling, county of Worcester, MA

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

The comparison table applies to zip codes: 1564

Conventional and FHA loan options in Sterling, MA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Direct Federal Credit Union
  • 50 Cabot St, Needham Heights, MA, 02494
  • Direct Federal is a community chartered credit union. This means that ANYONE who lives, works (or regularly conducts business in), worships, or attends school in Norfolk or Middlesex Counties, Massachusetts; or, has an immediate family member that lives, works (or regularly conducts business in), worships, or attends school in Norfolk
  • Fantini & Gorga LLC
  • 197 First Avenue, Needham Heights, MA, 02494
  • Fantini & Gorga delivers creative, cost-efficient real estate financing to its borrower clients who include investors, developers, and corporations. Our access to capital is unsurpassed, founded on long-nurtured relationships and powerful transaction volume. Following over 300 capital sources in a uniquely disciplined.
  • Atlas Mortgage
  • 220 Reservoir Street, Suite 4, Needham Heights, MA, 02494
  • We are a private lender to investors in the real estate community. We specialize in working with fix and flip rehabbers and builders of new construction. What makes us unique is we are builders ourselves so we know the business and can work quickly to close a loan for a good investor!
  • Dean Co-operative Bank
  • 21 Main Street, Franklin, MA, 02038
  • A full-service financial institution that stands by their promise: offering outstanding financial products and customer service and helping individuals, families and businesses to reach their goals and dreams. Since 1889, Dean Bank has been a community bank committed to its mutual bank charter. With 4 branches; Franklin, Bellingham, Blackstone and
  • Superior Funding Corporation
  • 343 Washington Street, Newton, MA, 02458
  • Superior Funding Corporation is a Massachusetts mortgage company offering extremely competitive rates, personal approach and the highest standards in customer care. Superior Funding Corporation was formed by people with technical backgrounds and advanced education in several areas (engineering, finance and economics).
  • Tremont Realty Capital
  • 255 Washington Street, Suite 300, Newton, MA, 02458
  • The RMR Group Inc. (Nasdaq: RMR) is a holding company and substantially all of its business is conducted by its majority-owned subsidiary, The RMR Group LLC. The RMR Group LLC is an alternative asset management company that was founded in 1986 to invest in real estate and manage real estate related businesses
  • Watertown Savings Bank
  • 60 Main Street, Watertown, MA, 02472
  • Our mission is to be a safe and secure, independent mutual bank committed to being a leader in delivering superior personal service, quality products, and banking convenience to customers and local communities and Watertown Savings Bank wants to continue to help those it serves--customers, non-profit organizations, communities.
  • Watertown Municipal Credit Union
  • 149 Main Street, Watertown, MA, 02472
  • The Mission of the Watertown Municipal Credit Union is to serve the employees of Watertown and their families by offering high quality financial products and services. The Watertown Municipal Credit Union shall protect its member’s financial assets through a conservative management style that pays high rates on shares and charges reasonable interes
  • Mortgages Inc
  • 181 Wells Avenue, Newton Center, MA, 02459
  • Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued client. We understand you're making a big commitment in buying a home, refinancing your mortgage, or cashing out your home’s equity. Therefore we make a commitment to you.