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 for your financial needs.
2025 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.
Primebank has been an integral part of the growth and development of the communities it serves. In 1891, the bank was founded with the name German State Bank. Security Bank, founded in 1889, was sold to German State Bank that same year. While still the same banking institution, our bank has changed its name several times.
United Credit Union offers our valued members exclusive benefits. United Credit Union is located in Council Bluffs, Iowa, and was founded in 1953. The credit union has provides banking services to more than 2,000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans.
Neighborhood Housing Services of South Florida Inc
300 Northwest 12th Avenue, Miami, FL, 33128
Established in 1978, NHSSF is a 501(c)(3) chartered member of the NeighborWorks® network. We are amongst a nationwide network of 245 trained and certified community development organizations at work in more than 4, 400 communities across America. NHSSF provides a full spectrum of homeownership services in English
Compass Financial Federal Credit Union was founded 1936 and is South Florida's oldest credit union. We offer our members a wide range of services from free checking to low interest loans. We are rated Excellent by BauerFinancial, the nation’s leading bank and credit union rating and research firm.
PNC was founded in 2012 by Pedro Nivela a very successful Mortgage Broker and Commercial Real Estate adviser. We identify the necessity of a company that understands the needs of the real estate community with products designed to help the Buyers and investors to grow their equity.
10305 North West 41st street, Suite 212, Miami, FL, 33178
Guardian Capital Lenders is a mortgage brokerage firm established in 2019, currently licensed to originate loans in the state of Florida. GCL was founded by Maria R. Garcia (Managing Director) who’s been in the mortgage industry for nearly 20 years. Maria is a dedicated professional and highly qualified mortgage consultant.
Expert Mortgage Group, Inc., a full service mortgage company located in Doral, Florida, was founded in February 2003 by Jeff and Marisel Lieberman. In a short time, the company has built a strong relationship as an outstanding mortgage firm serving the lending needs of individual home buyers, real estate professionals.
Founded in 1901, Union State Bank has a rich tradition of serving local families, businesses and farmers while always looking ahead to new opportunities. You can see this philosophy at each of our eight locations across the region, and many feature original historic details or photographs.
Connected Capital is a boutique commercial mortgage brokerage built by investors - for investors. We provide full service real estate financing solutions for our clients domestically and abroad.
Trust us - we know the mortgage process can be a pain. Through our strong lender relationships and industry knowledge, our teams goal is to make the pr
South Florida Federal Credit Union merged with Guardians Credit Union to become South Florida FCU, A Division of Guardians Credit Union. We did not think of this next step as a merger, but more so a partnership with Guardians Credit Union, as SFFCU will keep its brand and identity and will function as a division of Guardians Credit Union.
Electricians Local 349 Credit Union is a full service financial cooperative, owned and operated by its members in a context of concern for one another. It exists to provide support to its members in the financial areas of their lives by providing facilities for savings through a regular savings plan.
