USDA Vs. FHA your options comparison in Whitinsville, Worcester County, MA
In 2026, the USDA loan limit for Whitinsville, within Worcester county in MA, is $336,500. The FHA limit, however, for a single-family residence, is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s best USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side to help you choose the ideal program in for your financial needs.
2026 Loan Limits and Downpayment Requirements in Whitinsville, County of 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 Choices in Whitinsville, MA
The objective of Lendersa® is to swiftly provide you with the most suitable USDA or FHA loan, free of hassle. Start by selecting one of three initial paths that lead to matching lenders and USDA program options.
A USDA home loan, guaranteed by the government’s Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, requiring a minimum 3.5% down payment, the USDA mortgage demands no down payment at all.
Avidia Bank is a responsive & independent community bank providing the best banking and financial services to individuals, families & businesses. Avidia Bank is a mutual community bank, headquartered in Hudson, MA with branches throughout Central Massachusetts. Our full-service offices are in Hudson, Westborough, Clinton, Leominster, Marlborough.
Headquartered in Framingham, we are able to offer our customers the benefit of local decision making from people who live & work in their community. This allows us to support the local economy & the organizations that work so hard to strengthen it. MutualOne Bank meets the needs of its customers with a variety of checking, savings, consumer loan.
QS Private Lending specializes in making short-term, hard money loans for the acquisition, construction and renovation of investor-owned real estate. We focus on properties in Massachusetts, Rhode Island, New Hampshire and Georgia.
As one of the oldest and largest private, hard money lenders
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
Allstate Capital Group specializes in providing customized loans to investors, builders and developers in need of funding outside the scope of traditional banks. We also offer direct FHA HUD Lending programs starting at 2.55%, No Points, 35 Year Fixed. We are known for speed, service and integrity.
South Wind Financial Inc. Rhode Island branch provides Mortgage Broker Services to Rhode Island, Massachusetts, Connecticut, and Florida areas. We pride ourselves on ensuring that our customers are totally satisfied with our services and get the best loan possible. Picking the right mortgage firm can be challenging.
In 1955, the credit union was founded by our first treasurer - manager; Ethel McNeil. She asked ten town employees to deposit $5.00 each into a savings account. These dedicated members received no dividends in their weekly deposits for a long time.Thus the credit union began with ten members and $50.00 in assets.
We're always looking for new talent to help us expand our pool of Executive Client Services. If you have a true passion for helping others live their dreams, we're where you want to be. We cultivate a selection of unique, stylish, timeless, and modern homes – befitting of our A-list clientele. Dealing in superlatives puts you in rare company.
The PGE FCU was established in 1927 to serve the banking needs of the Employees of the United States Postal Service. Since then we have extended that service to certain employees of the USA. Membership is also available to certain family members of existing Credit Union Members. As you will see, we are a full-service financial institution.
Woodlawn Federal Credit Union strive to offer services designed to improve the economic and social well-being of ALL of our members no matter the socio-economic background, and return financial value to all those who participate in our member owned financial cooperative. and also Woodlawn FCU is more committed than ever to helping people.
Our mission is to provide qualified individuals with high quality mortgage programs that are tailored to fit their unique situation at the most competitive rates in the nation. Anchor Financial Mortgage, Inc. is committed to delivering quality mortgages to our clients and lending partners.
