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

In 2025, USDA loan limit in Worcester, county of Worcester, MA is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Worcester, 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 Worcester, MA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Massachusetts?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • The Hive Mortgage Solutions
  • 386 North Main Street, Brewer, ME, 04412
  • The Hive Mortgage Solutions Team is your premier mortgage team located in Brewer, Maine. The Hive Mortgage Solutions offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Brewer area. Whether you are first time home buyer.
  • Greentree Mortgage Company, LP
  • 5 Perina Blvd, Suite 200, Cherry Hill, NJ, 08043
  • Established in 1992, Greentree Mortgage Company is a privately held and a trusted lending organization, helping people realize their home ownership dream. Headquartered in Southern New Jersey, we have been serving the community for over 20 years. We have an A+ rating with the BBB (Better Business Bureau).
  • ACRE MORTGAGE & FINANCIAL, INC.
  • 400 Sheppard Rd, Voorhees, NJ, 08043
  • Acre Mortgage & Financial Inc. is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Acre Mortgage & Financial Inc. will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status,
  • PS Bank PA
  • 76 Church St, Wyalusing, PA, 18853
  • PS Bank opened for business on December 14, 1914 as Peoples State Bank of Wyalusing. The Bank was the 444th bank to be insured by the Federal Deposit Insurance Corporation and maintains that same FDIC number today. PS Bank is one of the oldest banks in the country. In 1998, the Bank opened an insurance and investment products division.
  • PS Bank
  • 76 Church Street, Wyalusing, PA, 18853
  • PS Mortgage is a full service mortgage lender. Member FDIC and Equal Housing Lender.. PS Mortgage is the most efficient and simplest way to manage buying a home. Everyone as PS Mortgage worked extremely hard to get me the home I wanted. There was consistent communication, and they went above and beyond when things didn't go according to plan.
  • KB Mortgage LLC
  • 26 Colonial Drive, Perkiomenville, PA, 18074
  • KB Mortgage LLC operates under the key principles of the Triple Bottom Line recognizing that people and the planet are as important as profits.This sustainable business model enables us to consistently offer the lowest possible mortgage rates. This sustainable business model enables us to consistently offer the lowest possible mortgage rates.
  • Redwood Mortgage Company
  • 40 Tanner Street, Suite 2, Haddonfield, NJ, 08033
  • Redwood Mortgage is a South Jersey mortgage company headquartered in Haddonfield, NJ that serves the needs of clients in New Jersey, Pennsylvania, Delaware, North Carolina and Florida. As a full-service mortgage company we service the lending needs of real estate professionals, builders and individual home buyers.
  • Bluestone Commercial Capital LLC
  • 41 Grove St, Haddonfield, NJ, 08033
  • Bluestone Commercial Capital LLC was formed to meet the needs of business owners and real estate investors who require short-term capital and are either unable or unwilling to borrow from traditional banks. Seeking credit has become increasingly difficult for the self-employed. The loan packages required by commercial lenders
  • ABC Capital RE, LTD
  • 1218 N. Marshall Street, Philadelphia, PA, 19122
  • ABC Capital RE, LTD is a one-stop shop for overseas and US real estate clients. We locate, renovate, and manage properties for hands off international/national clients. You do not have the risk of buying securities but instead your real estate properties remain in your own separate legal entity. ABC has presented our unique value proposition all o
  • Liberty Mortgage USA LLC
  • 146 Lakeview Drive, Suite 400, Gibbsboro, NJ, 08026
  • Liberty Mortgage USA is a retail mortgage lender and financial services company, which provides a variety of mortgage options, homebuying solutions, and refinancing solutions with low down payments, minimal charges, and competitive interest rates.Our services are based on simplicity and prudence. That’s why we simplify the mortgage process.
  • Greentree Mortgage
  • 2 Eastwick Dr, Suite 300, Gibbsboro, NJ, 08026
  • You can count on Greentree to make all of the arrangements for your mortgage. There are no up-front application fees. We get you started fast by analyzing your own individual needs, and finding a loan program that fits. If you are already a homeowner, we even provide a credit report analysis at no charge to you.
  • Hyperion Bank
  • 199 West Girard Avenue, Philadelphia, PA, 19123
  • Hyperion Bank is a community bank dedicated to delivering highly personal service to individuals and commercial customers throughout the greater Philadelphia region. Locally owned and operated since 2006, Hyperion Bank offers a full spectrum of banking services, including Small Business Administration (SBA) loans.