USDA and FHA Pro and Con in Southborough, Worcester County, MA

In 2026, the USDA loan limit in Southborough, within Worcester county, MA, stands at $336,500. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates, helping you determine the required income, credit rating, reserves, and documentation to qualify. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side so you can select which program in is optimal for your financial context.

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2026 Loan Limits and Downpayment Requirements in Southborough, county of 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 Southborough, MA

Lendersa® is committed to securing the most advantageous USDA or FHA loan for you quickly and without difficulty. Choose one of three starting points to connect with suitable lenders and USDA loan programs.

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Understanding USDA Loans in MA

The USDA home loan, supported by the Department of Agriculture, commonly called a USDA rural development loan or USDA mortgage, is available solely in rural areas. Unlike FHA loans, which necessitate a down payment of no less than 3.5%, USDA mortgages require no down payment at all.

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



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