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

In 2025, the USDA loan cap in Shrewsbury, Worcester county, MA, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA vs. FHA rates and determine the income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator provides viewable side-by-side comparisons of USDA, FHA, Conforming, and VA options, allowing you to select the best program for your specific financial scenario in .

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2025 Loan Limits and Down Payment Requirements in Shrewsbury, 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 Shrewsbury, MA

Lendersa® aims to secure the best USDA or FHA loan available for you quickly and easily. Choose one of three paths to connect with lenders and explore USDA loan offerings.

  1. Submit your comprehensive request with USDA/FHA loan optimization
  2. Research USDA and FHA rates & terms upfront
  3. Access the largest directory of USDA loan lenders
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What is a USDA Loan in MA?

The USDA home loan, also called a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is available exclusively in rural neighborhoods. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment.

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