USDA Vs. FHA Pro and Con comparison in Rutland, Worcester County, MA
In 2025, 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.
2025 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.
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.
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