USDA and FHA Pro and Con in Charlton, Worcester County, MA

For 2026, the USDA loan limit in Charlton, of Worcester county, MA, is set at $336,500, while for a single-family home, the FHA limit is $472,030.

Use the Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates and determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, guiding you to select the best option for your financial needs in Alabama.

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2026 Loan Limits and Down Payment Specifications in Charlton, Worcester County, MA

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

Discovering USDA and FHA Loan Opportunities in Charlton, MA

The goal of Lendersa® is to secure the best USDA or FHA loan fast and conveniently. Start with one of the three available paths that connect you with lending partners and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

A USDA home loan, known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • Grand Savings Bank
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  • TWO RIVERS FEDERAL CREDIT UNION
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  • In June of 1970 a few HSU employees formed the credit union. This handful of committed co-workers saw the need for helping one another, worked hard and began to grow as a credit union. The credit union worked to expand it’s membership by incorporating two groups who work hand in hand with HSU

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  • Good Life Lending
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