USDA Vs. FHA Pro and Con comparison in Holden, Worcester County, MA

In 2026, the USDA loan limit for Holden, within Worcester county, MA, is $336,500. The FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s best USDA versus FHA rates, and to identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, guiding you to make the best program choice for your financial situation in .

Compare loan offers from 100 different lenders

2026 Loan Limits and Downpayment Requirements in Holden, Worcester, MA

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

USDA and FHA Loan Options in Holden, MA

At Lendersa®, our goal is to quickly secure the best USDA or FHA loan possible without hassle. Choose one of three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in MA?

A USDA home loan is backed by the government’s Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • Sun West Mortgage Company, Inc.
  • 360 Central Ave Suite 800, Saint Petersburg, FL, 33701
  • Sun West Mortgage is a full service, mortgage banker established in 1980. The company's excellent service and fast turn-time has made Sun West a multi-billion dollar national originator.As a result, Sun West is a leader in offering a diverse set of products with low rates and excellent pricing.

  • Savvy Mortgage Lending
  • 100 2nd Ave N, Suite 240, Saint Petersburg, FL, 33701
  • Savvy Mortgage professionals are standing by ready to give you the personal attention you deserve, to help you through every step of the process. We will make it as easy and as enjoyable as we possibly can. We want to see you starting to enjoy your new home as fast as possible and also Our business is based on uncompromised Value, Expertise.

  • Gateway Capital Mortgage
  • 11 Beach Drive SE, Saint Petersburg, FL, 33701
  • Gateway Capital Mortgage Our goal is to provide you with highest levels of service while providing you with the lowest cost home loans. Gateway Capital Mortgage has been focused on keeping customers satisfied since day one, and has consistently maintained a 99% mortgage satisfaction level in all customer service areas

  • Jet Real Estate
  • 410 Evernia St #523, West Palm Beach, FL, 33401
  • ## Welcome to Jamison Troutman Real Estate

    ### Your Trusted Partner in Real Estate Financing
    At Jamison Troutman Real Estate, we specialize in providing tailored financial solutions including hard money, private money, and conventional loans. Our personalized approach ensures you get more than a one-size-fits-all underwriting. Collaborate with

  • CRE Loan
  • 515 North Flagler Drive, Suite P-300, West Palm Beach, FL, 33401
  • CRELoan is a leading Commercial Real Estate Loan advisory firm that secures financing for the nations top-tier investors, operators, owners and developers. We work with a wide array of sources to arrange financing for all commercial property types from $10, 000, 000 to in excess of $50, 000, 000 per transaction.

  • Landmark Appraisal & Realty Group, Inc.
  • 301 Clematis Street, Suite 3000, West Palm Beach, FL, 33401
  • Landmark Appraisal & Realty Group is owned and operated by Matt Thoren, a 24 year veteran of South Florida real estate. Our appraisal firm covers Palm Beach, Broward, Martin and St. Lucie Counties. Our staff of appraisers are strategically located in the areas we cover – we live where you live!

  • SWAPAMORTGAGE LLC
  • 805 N. Olive Ave, West Palm Beach, FL, 33401
  • "We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
    You may also evaluate your different financing options by using interactive calculators and going over various mortgage scenarios."

  • Palm Beach First Financial & Mortgage Company LLC
  • 120 South Olive Avenue, Suite 602, West Palm Beach, FL, 33401
  • Palm Beach First Financial and Mortgage is a leading lender in the West Palm Beach area. Palm Beach First Financial and Mortgage can provide low rate, no hassle mortgages for primary residences, second (vacation) homes, and investment properties. Eric can also work with current homeowners who are looking to refinance to a lower rate or payment.

  • Jet Mortgage Group
  • 224 Datura Street, Suite 910, West Palm Beach, FL, 33401
  • Jet Mortgage Group is committed to providing the highest level of service and expertise, all while moving at supersonic speed. Our network of over 100 lenders means we have the best loan program for your needs, at the best price. If you’re buying your first home, relocating to a new area.

  • GREYSON CAPITAL, LLC
  • 120 S. Olive Avenue | Suite 701, West Palm Beach, FL, 33401
  • Greyson Capital, LLC is more than a full service mortgage lender. When you contact us, a Greyson mortgage specialist will walk you through the transaction, be it the purchase of a new residence, a second home, or an investment property. We also offer a variety of refinancing programs and products to fit your specific needs.

  • Ocean Capital Lending
  • 120 S. Olive Ave., Suite 311, West Palm Beach, FL, 33401
  • Ocean Capital’s comprehensive services represent the best in class & are resetting the bar for all others to follow.We meld experts in real estate,estate & financial planning, tax strategy & accounting, securities & insurance,portfolio managers,researchers and traders into a cohesive team that serves the unique needs of our diversified client base.