For 2026, the USDA loan limit in Southbridge, within the county of Worcester, MA, is $336,500, whereas the maximum for FHA is $472,030 for a single-family home.
Leverage the Lendersa® USDA loan calculator to compare today's most competitive rates between USDA and FHA loans, determining necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA options side by side, assisting in selecting the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® endeavors to quickly connect you with the most appropriate USDA or FHA loans, offering a straightforward process. Choose one of three initiation paths that align you with matching lenders and USDA loan programs.
A USDA home loan, secured by the government's Department of Agriculture, also known as a USDA rural development loan, is exclusively available in rural areas. Notably, USDA loans do not require a down payment, unlike FHA loans which necessitate at least a 3.5% down payment, therefore broadening access to homeownership.
Enter your location to find out if it qualifies for USDA rural housing loan?
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