USDA and FHA Pro and Con in Sturbridge, Worcester County, MA
For the year 2026, the USDA loan limit for Sturbridge, in the county of Worcester, within MA, is set at $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates. This tool aids in identifying the income requirements, credit standards, reserves, and documents essential for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, helping you determine which program in best fits your financial situation.
2026 Loan Limits and Downpayment Requirements in Sturbridge, Worcester, MA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Sturbridge, MA
The mission of Lendersa® is to provide you with the best possible USDA or FHA loan promptly and effortlessly. Choose from three starting points that connect you with matching lenders and USDA loan offerings.
The USDA home loan, known as the USDA rural development loan or USDA mortgage, is backed by the government's Department of Agriculture and is available solely in rural areas. Unlike FHA loans which require a minimum of a 3.5% down payment, a USDA mortgage does not necessitate any down payment.
SCU is a locally run credit union focused on serving the residents and businesses of South Central MA and Northern CT. Our mission is to give our members the very best financial products and services available at outstanding rates and terms, with the lowest fees possible. Take a look at our checking accounts, mortgages, consumer loans
Monson Savings Bank is a community bank that has served local residents and businesses since 1872. We are proud to play an integral role in the communities we serve, contributing to the progress and success of the area. We have a deep connection and understanding of the local landscape which allows us to appreciate everything that makes it so great
Webster Five is a $1 billion community bank with seven convenient branches, serving Central Massachusetts with offices in Auburn, Dudley, Oxford, Shrewsbury, Webster and Worcester. For over a century, the bank has developed a reputation for outstanding personal service, community support and fiscal strength.
We are a state-chartered 1.7 billion-dollar mutual savings bank with offices in central and western mass. We've gone above and beyond for our customers since 1850. We value respect, courtesy, and excellence in service above all. As a mutual bank, we answer our customers first, not to investors.
Millbury National Bank was founded in 1825, and through fiscal integrity and fortitude, the bank has been led by a committed Board of Directors for over 190 years, currently with several multi-generational Directors. Our focus is on serving small businesses within the Blackstone Valley, and maintaining our strong commitment to our customers.
LUSO Federal Credit Union, is a member owned, not-for-profit financial cooperative, providing many services to you. We have checking accounts, savings accounts, mortgages, auto loans, refinancing and more with two Western MA branch locations in Ludlow and Wilbraham. We are dedicated to providing access to affordable credit and banking services
Bay State Savings Bank's roots extend back to 1895, when 114 spirited citizens of Worcester gathered together and pledged a total of $7, 660 to establish a new savings bank in the city. They made good on that pledge, and on May 16, 1895, Bay State Savings opened its doors for business on Main St. in Worcester.
