In 2026, 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 for your financial needs.
2026 Loan Limits and Downpayment Requirements in Spencer, 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 Spencer, MA
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.
Our team brings deep market knowledge & proven expertise to every transaction we underwrite.In today’s marketplace however, that’s not enough.So we also bring fresh thinking & an independent spirit that allows us to look at opportunities differently & respond quickly.Contact us by email, phone, or in person to discuss a commercial loan & investment
Bay to Bay Lending is associated with the nation's unsurpassed pricing leaders. The Bay to Bay Lending team of Tampa Mortgage Brokers will make the mortgage process as simple as possible. We pride ourselves on offering a premier level of customer support and we look forward to getting you the best financing available.Mortgage,
Iowa Trust & Savings Bank appreciates and values the trust our customers have in banking with us. We strive to provide the highest level of personal service and offer financial solutions that continually enhance the customer experience with Iowa Trust. From our skilled and experienced staff, to our complete line of deposit
We specialize in helping find the best mortgage loan for you. We sincerely care and take pride in what we do. This, combined with our expertise, is what makes us a success in helping so many families across Florida not only close on their dream home but finance it the best way available for them.
Bart started The Rice Financial Group with one goal in mind, personalized customer service. He believes in maintaining an organic feel, with a handshake approach. One of the company mottos is “love your neighbor as yourself.” This personal approach to securing loans distinguishes the RFG while providing an exceptional client experience.
Julia Lysenko is a Mortgage Banker. She has a reputation for going the extra mile for her clients and achieving great results. She specializes in helping people purchase homes, refinance their home and even helping foreign nationals purchase property in America. Julia is passionate about her career and her clients.
5401 West Kennedy Blvd, Suite 100, Tampa, FL, 33609
"We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Today's technology is providing a more productive environment to work in. For example,"
4830 West Kennedy Blvd, Suite 600, Tampa, FL, 33609
"With nearly two and a half decades of lending experience, CambridgeHomeLoan.com has established a solid reputation few others can match and we achieved this stellar position by actions, not by words. From the initial application to final funding, CambridgeHomeLoan.com is with you all along the way."
29750 US Highway 19 North, Suite 100, Clearwater, FL, 33761
Flagship Bank was founded by a local Board of Directors, owned by committed local shareholders & operated by successful, local bankers with deep roots in our community. As a community-based bank, Flagship Bank is committed to renewing former relationships and building new relationships by catering to the financial needs of owner managed businesses
Lewin & Associates, Inc. was established in 1996 by President and founder Michael A. Lewin, Investment Advisor Representative. Michael has worked in the financial services industry for over 25 years. Lewin & Associates, Inc. specializes in financial planning and mortgages. We work to help people with savings plans
