As of 2025, in Gardner, located in Worcester county, MA, the USDA loan limit is $336,500, while the limit for an FHA loan on a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top current rates for USDA and FHA loans. Determine the income, credit requirements, reserves, and documents required for qualification. Our innovative mortgage calculator compares USDA, FHA, Conforming, and VA loan options side by side, assisting in deciding the most suitable program for your financial circumstances in
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| Loan Type | Loan Limit | Down payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to swiftly securing the best USDA or FHA loan for you without unnecessary complications. Choose from three methods to find matches with lenders and suitable USDA loan programs.
A USDA home loan is backed by the United States Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is available solely in rural areas. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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