USDA Vs. FHA your options comparison in West-Boylston, Worcester County, MA

In 2025, the USDA loan cap in West-Boylston, Worcester, MA is $291,600, while the FHA ceiling for a single-family home stands at $364,550.

Leverage the Lendersa® USDA loan calculator to compare today's best rates for USDA and FHA loans. It helps you determine the necessary income, creditworthiness, reserves, and documentation for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side to inform your decision on the most suitable program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in West-Boylston, Worcester, MA

Loan Type Loan Limit Down Payment
USDA $291,600 0%
FHA $364,550 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Choices in West-Boylston, MA

Lendersa® is committed to obtaining the best USDA or FHA loan promptly and without hassle. Choose one of three pathways to find matching lenders and USDA loan offerings.

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Understanding USDA Loans in MA

A USDA home loan, endorsed by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans that require at least 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Wildcat Lending
  • 4800 Dexter Dr, Plano, TX, 75093
  • Wildcat Lending is a leading private money lender also known as a hard money lender. We produce fast, reasonable, secure real estate loans that enable you to close quickly on residential investment properties. Wildcat Lending offers real estate financing that avoids the time-consuming process and requirements of conventional lenders.
  • Nortex Mortgage CO.
  • 1820 Preston Park Blvd, Plano, TX, 75093
  • The Nortex Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available.
  • WILLOW BEND MORTGAGE COMPANY, LLC
  • 5800 W. Plano Pkwy, Suite 105, Plano, TX, 75093
  • We offer the best mortgage tools available on the Internet – easy, convenient online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
  • Great Western Financial Services, Inc
  • 5408 W. Plano Parkway, Plano, TX, 75093
  • Great Western Financial Services, Inc company prides itself on its collaborative culture and passion in its role in the home buying experience. Through innovation in technology and experience we provide steady guidance along the journey to home ownership.As a family-owned business.
  • Almega Mortgage
  • 2301 Ohio Drive, Ste 138, Plano, TX, 75093
  • Almega Mortgage, we know that each customer has specific mortgage needs, so we strive to meet those specific needs with a wide array of mortgages combined with quality service and individual attention. Though we are based in Plano, we routinely serve clients in Allen, Frisco, Carrollton, Richardson, Garland, and the rest of the Dallas metroplex.
  • Dominion Bank
  • 17304 Preston Road, Suite 1100, Dallas, TX, 75252
  • Dominion Bank was founded on the premise that a superior team of seasoned bankers can out-perform the competition. CEO Thomas J. Mastor, CFO R. Michael Russell, Dallas President Stephanie Velasquez, along with their proven team of bankers, formed Dominion Bank with an initial capitalization of over $50 million raised from local investors.
  • LifeTime Lending, Inc
  • 17304 Preston Road, Suite 800, Dallas, TX, 75252
  • Megan Dodson a residential mortgage loan originator who has helped hundreds of buyers like you identify the best long-term value for their loan. Megan aligned with a number of wholesale lenders & underwriters to help you get that special low rate. But beyond that, I work hard for you & dig in to find that special program another mortgage lender.
  • Certified Funding
  • 17304 Preston Road, Suite 620, Dallas, TX, 75252
  • Certified Funding, L.P. is a pioneer in second lien lending. Since 1985 we have provided purchase money second liens, equity liens and home improvement loans for Mortgage Brokers and Mortgage Bankers. As an independently owned and operated business, we are constantly striving to provide innovative programs and competitive products.
  • IKON Mortgage, Inc
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  • IKON Mortgage is founded with passion and the heart of serving. We strive to keep the mortgage experience simple, efficient, and enjoyable for our clients. IKON Mortgage is here to serve you whether you are looking for the best rates in town with a quick and easy closing, or searching for a trustworthy and experienced mortgage loan officer to guide
  • PrimeLending, A PlainsCapital Company
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  • PrimeLending, a PlainsCapital Company (NMLS: 13649), is a proven powerhouse in home lending, combining personal guidance and local expertise with fast service, more choices and the flexibility to meet homeowners’ unique needs. We’re a national home lender relentlessly focused on empowering our customers to boldly pursue their homeownership goals.
  • First National Bank of Kemp
  • 100 South State Highway 274, Kemp, TX, 75143
  • First National Bank of Kemp first opened its doors in August, 1901, after a group of local farmers, ranchers and businessmen decided to provide much-needed financial services to the community. Through wars, depression, recessions, and plenty of good times, First National Bank of Kemp has been right here, serving and growing with the community.
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  • 2121 U.S. Hwy 190, Livingston, TX, 77351
  • We are extremely proud to have had the opportunity to serve our market since 1902. Our team of professionals continues a long-standing commitment to superior customer service. We remain dedicated to providing the most up to date technology, while not wavering from our values of being a strong and healthy community bank.