Explore the differences! FHA VS Conventional loan programs in Worcester, Worcester County, Massachusetts

In 2026, the loan limit for a Conventional mortgage in Worcester, within the county of Worcester, MA, stands at $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.

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Make use of the Lendersa® Conventional loan calculator to explore and compare today's premier rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator offers side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding you in selecting the best program in MA tailored to your financial situation.

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

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

This table is applicable to the following zip codes: 01610

Exploring Conventional and FHA Loan Options in Worcester, MA

The goal of Lendersa® is to quickly secure the best possible Conventional, USDA, or FHA loan for you without any hassle. Choose one of three pathways that connect you with the right lenders and loan programs.

  1. Send a comprehensive request with optimization for Conventional, USDA, or FHA loans
  2. Check out rates & terms for Conventional, USDA, and FHA loans first
  3. Access the most extensive database of Conventional lenders
Results from Lendersa USDA loan requests and matching outcomes



  • First Rate Mortgage LLC
  • 1350 Hannah Lane, Waukee, IA, 50263

  • First Rate Mortgage was established in 1998 by Angela Swank (Frost). We are locally owned and operated and licensed in the State of Iowa. Our customers are like family and we treat them that way.Our goals are to provide a high level of one on one service with our customer's and offer them the best rates available.

  • Security Bank & Trust Co.
  • 2202 11th Street East, Glencoe, MN, 55336

  • Our success is made possible by the quality of our personal and business relationships. The products and services we offer are more effective by the relationships we build. We are committed to supporting the communities we serve and are dedicated to help meet their individual and business needs.

  • American Heritage National Bank
  • 2915 2nd Street South, Saint Cloud, MN, 56302

  • American Heritage Bank – The oldest family-owned and operated bank in St. Cloud since 1881, including bank offices in Clearwater, Avon, Long Prairie and Browerville. Also known as the Log Bank, both banking locations in St. Cloud are constructed from full-sized cut pine logs occupying 30, 000 square feet each.

  • Bay Credit Union
  • 601 N Highway 231, Panama City, FL, 32405

  • Bay Credit Union was established in August of 1952 as International Paper Employees Federal Credit Union. In 1976 the name was changed to Bay County Industrial Credit Union to more adequately reflect the expanded membership. Again in 1987 the name was changed to Bay Credit Union when our field of membership was opened to virtually.

  • First National Bank Northwest Florida
  • 101 East 23rd Street, Panama City, FL, 32405

  • First National Bank Northwest Florida is the oldest local community bank in the area. The goal of the bank has always been to provide the best possible customer service. The same banking services as a regional bank but with a local family “feel.” Come be a part of our banking family.

  • Oasis Mortgage
  • 3707 W. 23rd Street Suite A., Panama City, FL, 32405

  • Oasis Mortgage, where we specialize in residential mortgages. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants who will be assisting you every step of the way. At Oasis Mortgage, we are able to provide our clients with extremely competitive pricing.

  • My Easy Mortgage
  • 2405 Creel Lane, Suite 102, Wesley Chapel, FL, 33544

  • Our Tampa-based team is at your service to find the perfect mortgage for you and get you into the home of your dreams. We treat every client like family and go above and beyond to get you the lowest mortgage rate in the fastest time to closing on your property. Our team will make your mortgage process as simple and easy as possible.

  • Ridge View Mortgage
  • 231 E. Tillman Ave, Lake Wales, FL, 33853

  • At Ridge View Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
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