In the year 2026, within Sutton, located in the county of Worcester, MA, the USDA loan limit is established at $336,500. In contrast, the FHA limit for a single-family home during this period is set at $472,030. These limits play a crucial role for prospective homeowners determining their financing options.
To compare the current best rates for USDA versus FHA options, you can make use of the Lendersa® USDA loan calculator. This tool is instrumental in figuring out the requirements for income, credit, reserves, and all necessary documents needed for eligibility. Additionally, our comprehensive mortgage calculator allows you to view the USDA, FHA, Conforming, and VA loan programs side by side. This comparison facilitates informed decision-making regarding which 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% |
The primary aim at Lendersa® is to ensure that you find the most favorable USDA or FHA loan promptly and with minimal hassle. You have the choice of starting from one of three options, engaging with lenders and USDA loan programs suited to your needs.
The USDA home loan, formally supported by the United States Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage and is exclusively available for properties in rural areas. What sets USDA loans apart is their requirement: no down payment at all, unlike FHA loans, which obligate at least a 3.5% down payment. This difference can be pivotal to individuals seeking affordable homeownership in rural communities.
Enter your location to find out if it qualifies for USDA rural housing loan?
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