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

In 2026, the USDA loan cap in Rutland, located in Worcester, MA, is $336,500. For a single-family home, the FHA limit is $472,030.

Use the Lendersa® USDA loan calculator to compare the top USDA and FHA rates today, and determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, aiding your decision on the most suitable program in for your financial needs.

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2026 Loan Limits and Down Payment in Rutland, 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 Choices in Rutland, MA

The aim of Lendersa® is to swiftly offer you the best USDA or FHA loan without complications. Choose one of three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

An Overview of USDA Loans in MA

The USDA home loan, backed by the U.S. Department of Agriculture and known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans that mandate a down payment of 3.5% or more, USDA loans do not require any down payment.

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



  • Dreamlink Mortgage
  • 520 Northeast 44th Street, Boca Raton, FL, 33431
  • Dreamlink Mortgage. We are a full-service mortgage company based in Boca Raton, FL. We specialize in FHA, VA, Conventional Home Loans, Commercial Loans, and Home Purchase Loans in Boca Raton. We also serve the surrounding cities in Palm Beach County. Whether you are buying a home or refinancing in the zip code 33431.

  • KESSNER FINANCIAL, INC
  • 5550 Glades Road #305, Boca Raton, FL, 33431
  • KESSNER FINANCIAL, INC is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans which best suit our clients needs. We believe that the best borrower is an educated borrower. It is for this reason that we work closely with them to insure that their financing is intergrated as part.

  • City 1st Mortgage Services
  • 2255 Glades Road, Suite 324A & 319A, Boca Raton, FL, 33431
  • "City First Mortgage Services, we are a unified group of experienced loan professionals who know how to have fun in the mortgage industry. Our culture celebrates each team member’s individuality and creativity. We know there is not ONE right way to get the job done, therefore, we encourage innovative minds

  • NP, Inc.
  • 4800 N. Federal Highway, Building E, Suite 200, Boca Raton, FL, 33431
  • NP, Inc. is a mortgage company with a 24 year history of helping people become new home owners and refinancing others into a better financial situation. Serving clients needs is the core of our business. This basic principle of putting “the client first” is the reason we close loans based upon relationships, not leads.

  • Capital Funding Financial LLC
  • 5550 Glades Rd Ste #200, Boca Raton, FL, 33431
  • CAPITAL FUNDING FINANCIAL IS A LICENSED FAMILY-OPERATED AND PRIVATELY FUNDED LENDER ON INVESTMENT PROPERTIES NATIONWIDE.
    WE OFFER OUR CLIENTS THE ABILITY TO CLOSE A LOAN IN DAYS NOT WEEKS DUE TO OUR STREAMLINED INTERNAL UNDERWRITING, SELF-FUNDING, AND IN HOUSE LEGAL COUNSEL. WE ARE A+ RATED WITH THE BETTER BUSINESS BUREAU

  • Ideal Lending Solutions
  • 301 Yamato Road #1240, Boca Raton, FL, 33431
  • Ideal Lending Solutions specializes in residential mortgages with branches throughout Florida and North Carolina. Ideal Lending Solutions, a division of American Financial Network, Inc. is a Direct Lender with delegated authority to underwrite, fund and service Conventional, FHA, USDA, VA loan, and Jumbo loan products in house.

  • LendingOne
  • 901 Yamato Road, Suite 150, Boca Raton, FL, 33431
  • LendingOne is a direct private lender for Real Estate professionals. We offer fix/flip bridge loans and long term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently and help you grow your business.and alsoLendingOne uses our own capital, an easy online application.

  • First Independent Bank
  • 105 South Market Street, Marshall, MN, 56258
  • First Independent Bank provides personal care for each customer while having the expertise and resources of a large bank. With broad experience and the ability to work with more types of financing solutions than many competitors, First Independent Bank is a collaborative group of advocates for businesses and families in Minnesota.

  • Edison Credit Union
  • 4200 East Front Street, Kansas City, MO, 64120
  • We are a Full Service Credit Union located in North Kansas City. We offer: Auto Loans, Personal Loans, Share Secured Loans, Mortgage Loans, Home Equity Loans, Savings Accounts, Checking Accounts, Kids Club Accounts, Investment Accounts, Christmas and Vacation Club Accounts, ATM and Debit Cards, Visa Credit Cards, Money Orders,

  • Bayer Credit Union
  • 8400 Hawthorne Road, Kansas City, MO, 64120
  • Bayer Credit Union is a proud participant of Invest In America, a discount program that brings our members valuable savings on the things they use most.

    Credit untion members can save big with trusted US companies through various discounts. So, whether you're looking to save on something as large as a new vehicle

  • North Star Community Credit Union IA
  • 1207 N 2nd Street, Cherokee, IA, 51012
  • Serving 14 counties in Northwest Iowa, with offices in Cherokee, Ida Grove, and Sheldon, North Star Community Credit Union is your full-service financial institution. Offering everything from savings, checking, share certificates, loans, mortgages and more, North Star Community Credit Union is your one-stop for all your financial needs.