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

In 2026, the USDA loan limit in Worcester, within the county of Worcester, MA, is set at $336,500. For a single-family home, the FHA limit is $472,030.

Utilize Lendersa®'s USDA loan calculator to compare today's leading USDA and FHA rates, assessing the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side, aiding you in determining the best program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Worcester, 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 Alternatives in Worcester, MA

The aim of Lendersa® is to efficiently bridge you to the most favorable USDA or FHA loan available. Choose one of three starting pathways to connect with lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MA

The USDA home loan, backed by the government’s Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage. It is available only in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans have no down payment requirement.

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



  • GFA Federal Credit Union
  • 229 Parker St, Gardner, MA, 01440
  • 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.
  • Wrentham Co-operative Bank
  • 102 South Street, Wrentham, MA, 02093
  • Wrentham Cooperative has been a place people can trust for all of their personal and business financial needs since 1901. Unlike most banks, we provide you with the services YOU actually want and need, not the services we want you to buy. We work quietly and steadily every day to improve our services
  • Norfolk Community Federal Credit Union
  • 18 Union Street, Suite 104, Norfolk, MA, 02056
  • Norfolk Community Federal Credit Union was chartered on August 11, 1953. We are a federally chartered and insured credit union. A credit union is a not-for-profit, membership-owned financial institution. Known for its strong consumer-orientation, a credit union is organized to serve a community, a company or a municipality
  • Home Advantage Mortgage Corporation
  • 312 Great Road, Littleton, MA, 01460
  • Home Advantage Mortage Corporation is a licensed mortgage broker, located in Littleton, Massachusetts. Established in 1993, we are licensed in Massachusetts, New Hampshire, and Maine. We offer a wide range of mortgage products at the most competitive rates available. Our products are not limited to “A” type borrowers.
  • Hanscom Federal Credit Union
  • 25 Porter Road, Suite 100, Littleton, MA, 01460
  • With $1.7 billion in assets and over 90, 000 members, we are one of the most trusted credit unions headquartered in Massachusetts. Our mobile services, education programs, and innovative products are designed to help our members become financially self-sufficient and successful, whether they're well-established or just starting out.
  • WORKERS CREDIT UNION
  • 119 Russell Street, Littleton, MA, 01460
  • Our members – both long-time and brand-new – have chosen Workers for full banking services to meet a lifetime of financial needs, and we can help you, too. We would love to show you how we can save you money, and make banking easier, and more convenient.We take the time to focus on the things that are important to you
  • Wellesley Municipal Employees Credit Union
  • 1 Hollis Street, Suite 105, Wellesley, MA, 02482
  • 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.
  • hmw real estate llc
  • 66 Central Street, Suite 18, Wellesley, MA, 02482
  • 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.
  • Navigant Credit Union
  • 1005 Douglas Pike, Smithfield, RI, 02917
  • From the very beginning, our mission has been to improve the financial lives of our members throughout Rhode Island. We are committed to the financial well being of the families, businesses and communities we have proudly been serving. Now at more than $3 billion in assets, Navigant Credit Union is among the largest credit unions in Rhode Island.
  • Monson Savings Bank
  • 146 Main Street, Monson, MA, 01057
  • 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
  • Cumberland Municipal Employees Federal Credit Union
  • 2145 Diamond Hill Road, Cumberland, RI, 02864
  • Cumberland Municipal Employees Federal Credit Union of Cumberland, RI has 1163 members and assets of $7.5 million. The Credit Union, opened in 1962, as the Cumberland School Employees Credit Union. Then in 1993 it was changed to Cumberland Municipal Employees Federal Credit Union.
  • ProBuilder Financial, LLC
  • 396 Washington Street, Suite 225, Wellesley Hills, MA, 02481
  • ProBuilder Financial is a direct, hard money lender, providing private acquisition, rehab, and construction loans to real estate builders and developers in New England. Loans based on the collateral value of the project, not on the credit history of the applicant. Creative and flexible financial solutions to meet the needs of your real estate proje