USDA and FHA Pro and Con in Winchendon, Worcester County, MA
For 2026, the USDA loan limit in Winchendon, within the boundaries of Worcester county, MA, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Lendersa® offers a USDA loan calculator to help you compare today's most favorable USDA versus FHA rates and identify the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to view the USDA, FHA, Conforming, and VA programs side by side, enabling you to choose the most suitable option for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Winchendon, 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 Options in Winchendon, MA
Lendersa® aims to provide you with the best USDA or FHA loan quickly and effortlessly. Choose any of the three starting options available that lead to matching lenders and USDA loan program offerings.
The USDA home loan, backed by the government's Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage requires no down payment whatsoever.
GFA Federal Credit Union is a full service, Member-owned, community financial institution serving Central Massachusetts & Southern New Hampshire, with branch locations in Ashburnham, Gardner, Hubbardston, Keene, Leominster, Peterborough, Rindge, Rutland & Winchendon. Offering Personal, Business, Investment & Insurance solutions to help buy a home.
Athol Savings Bank is a mutual savings bank based in Athol, Massachusetts. Our goal is to be the financial foundation in our community; working harder, reaching higher and delivering strength, stability and security to our customers. As we move forward, Athol Savings Bank is committed to being “A Solutions Bank” for our customers.
We were founded in 1930 as a member-owned, not-for-profit credit union with the goal of providing the highest quality banking products at the best possible prices, delivered with professional, one-on-one personal service. In 2015, we were designated as a Community Development Financial Institution by the U.S.
We are a full-service Credit Union, but more importantly, we’re people like you, helping people like you. Yes…we have checking and saving accounts; auto loans and mortgages…you get the gist. But what we pride ourselves most on is helping you through every stage of your life. IC was founded in 1928.
Leominster Credit Union is a member-owned, not-for-profit cooperative financial institution. For more than 65 years, we have provided a full range of deposit, lending, and other financial services to North Central Massachusetts residents. Today, we are proud to claim more than 50, 000 members. Leominster Credit Union is headquartered in Leominster,
Leominster Employees Federal Credit Union is a unique non-profit financial institution that is owned and operated for the benefit of its’ membership, the City of Leominster Municipal employees, and their families. The Leominster Employees Federal Credit Union came into being in 1995
The goliath banks of 1888 weren’t interested in providing a high quality banking experience to the hard working middle class of our community. They were only interested in what was in people’s wallets, not what was in their hearts. That’s where we came in. Fidelity Cooperative Bank first opened its doors in 1888.
