USDA and FHA Pro and Con in Southbridge, Worcester County, MA
For 2025, 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 .
2025 Loan Limits and Down Payment Requirements in Southbridge, Worcester County, 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 Opportunities in Southbridge, MA
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.
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