In 2025, the USDA loan limit in Spencer, Worcester, MA is $336,500, while the FHA limit is $472,030 for a single-family home.
Use the Lendersa® USDA loan calculator to compare today's USDA and FHA rates. Discover the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, helping you choose the best program 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® aims to quickly secure the best USDA or FHA loan for you. Choose any of the three starting options to connect with lenders and the USDA loan programs:
A USDA home loan, also known as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA loan requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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