In 2026, the USDA loan limit applicable in Harvard, within the county of Worcester, MA, is set at $336,500. In comparison, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to see how today's USDA and FHA rates measure up against each other. Determine what income, credit, reserves, and documentation are necessary to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, particularly valuable in Alabama, ensuring you choose the right program for your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to facilitate a swift and hassle-free acquisition of the best possible USDA or FHA loans. Begin by selecting one of three initial pathways to connect with matching lenders and USDA loan programs.
The USDA home loan, assured by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is specifically aimed for use in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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