In the year 2026, the USDA loan limit for Berlin, located in the county of Worcester, MA, is set at $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.
Using the Lendersa® USDA loan calculator, you can compare today’s best rates for USDA versus FHA loans, calculating the income, credit score, reserves, and documents required to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding in selecting the most suitable program for your financial situation in Alabama.
2026 Loan Limits and Downpayment Requirements in Berlin, Worcester, MA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Berlin, MA
Lendersa® is dedicated to ensuring you quickly secure the best USDA or FHA loan without complications. You can choose from three initial options that will link you with corresponding lenders and USDA loan programs.
The USDA home loan is backed by the U.S. Department of Agriculture and is often known as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage involves no down payment.
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