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.
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.
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.
SCU is a locally run credit union focused on serving the residents and businesses of South Central MA and Northern CT. Our mission is to give our members the very best financial products and services available at outstanding rates and terms, with the lowest fees possible. Take a look at our checking accounts, mortgages, consumer loans
Webster Five is a $1 billion community bank with seven convenient branches, serving Central Massachusetts with offices in Auburn, Dudley, Oxford, Shrewsbury, Webster and Worcester. For over a century, the bank has developed a reputation for outstanding personal service, community support and fiscal strength.
Millbury National Bank was founded in 1825, and through fiscal integrity and fortitude, the bank has been led by a committed Board of Directors for over 190 years, currently with several multi-generational Directors. Our focus is on serving small businesses within the Blackstone Valley, and maintaining our strong commitment to our customers.
Bay State Savings Bank's roots extend back to 1895, when 114 spirited citizens of Worcester gathered together and pledged a total of $7, 660 to establish a new savings bank in the city. They made good on that pledge, and on May 16, 1895, Bay State Savings opened its doors for business on Main St. in Worcester.
Cornerstone Bank was formed in 2017 & was built on the foundation of two local, mutual banks joining together— Southbridge Savings Bank & SpencerBANK (founded in 1871). Based in Worcester, Massachusetts, we currently operate 13 branch offices.Cornerstone Bank is a local, community bank dedicated to providing high-quality, personal customer service.
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
"AllCom Credit Union is a full-service, not-for-profit, community-chartered financial services organization. Founded in 1922, we celebrated 90 years in business in 2012.
AllCom was originally chartered to provide financial services exclusively to employees of the Telephone Company."
Firefighters of the City of Worcester have benefited from a long and rich history of member service. It has evolved over the years from a "savings and loan" business to a full service financial institution.When you become a member of the Worcester Fire Deptartment Credit Union, you also become an owner. We will continue through sound investments
