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

In 2025, 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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2025 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?



  • ID Mortgage Broker
  • 13317 Ventura Blvd, Suite H, Sherman Oaks, CA, 91423
  • "ID Mortgage Broker offers professional and affordable mortgage services in Los Angeles and California. Including but not limited to conventional loans, hard money, FHA, VA, USDA, and JUMBO loan programs. Purchasing a home, getting new vacation property or refinance your current loan should be hustle free and positive, not creepy and draining"
  • Lantern Financial Corp.
  • 13701 Riverside Drive, 3rd Floor, Sherman Oaks, CA, 91423
  • Lantern Financial is your "bank alternative" for business purpose loans on all types of commercial properties in the Southern California area. We are more than just a lender. We help our customers design a loan best suited for their commercial real estate lending needs. Our customers receive fast and direct answers about their loan inquiries.
  • California Hard Money Direct
  • 13547 Ventura Blvd #177, Sherman Oaks, CA, 91423
  • California Hard Money lender offer non owner residential and commercial loan everywhere in California. We lend on the collateral not the credit.In addition to our standard Hard Money Loans we also have hybrid programs for people who happen to have FICO scores above 650. We have programs to fit most borrowers and will make any loan as long as it ma
  • Peloton Capital Fund
  • 437 S. Robertson Blvd # C, Beverly Hills, CA, 90211
  • Peloton Capital Fund of Beverly Hills, California is your trusted source for hard money loans nationwide. The experts at Peloton Capital Fund make the process of getting financing fast and convenient. Whether you are fixing and flipping or want to refinance the terms of an existing loan, we will help you find the right loan with the lowest rate. Gi
  • EH National Bank
  • 8484 Wilshire Boulevard, Suite 100, Beverly Hills, CA, 90211
  • EH Private Bank provides modern banking strengthened by a renowned tradition of service. Offering you choice and flexibility in managing your finances, while preserving the personal touch and accessibility you expect from a Private Bank With a deep understanding of the associations between our clients’ personal and professional lives.
  • EH National Bank
  • 8484 Wilshire Blvd, Suite 100, Beverly Hills, CA, 90211
  • With an in-depth understanding of the world and circles you move in, EH Private Bank provides modern banking strengthened by a renowned tradition of service. Offering you choice and flexibility in managing your finances, while preserving the personal touch and accessibility you expect from a Private Bank.
  • American Mortgage Finance
  • 8671 Wilshire Boulevard, Suite 714, Beverly Hills, CA, 90211
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Our loan officers are the best in the business with many years of Mortgage experience and training.
  • Magna Capital Group
  • 8730 Wilshire Blvd, Suite 410, Beverly Hills, CA, 90211
  • Magna Capital Group, Inc is a full service real estate and financial services company. We provide specialized services to our clients in areas of financing, investments, acquisition, divestiture, foreclosures, and asset management. Through our global network of relationships, we identify and implement a wide range of financial transactions.
  • Bolour Associates
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  • BOLOUR is a fully integrated real estate investment, development and finance firm that invests in value-add assets in emerging and transit-oriented neighborhoods. Property types include: urban infill land, retail, industrial, multi-family and mixed-use. The company currently lends in 17 states: CA, AZ, TX, OR, CO, ID, UT, WA, TN, NC, GA, PA, MA, DC
  • First Foothill Mortgage
  • 280 Hammond Drive, Auburn, CA, 95604
  • FIRST FOOTHILL MORTGAGE is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools
  • RB Lending
  • 24126 Green Valley Road, Auburn, CA, 95602
  • RB Lending you're buying your first house or refinancing your jumbo mortgage, you'll save thousands of dollars. I sleep well at night knowing I'm giving people the best service and lowest costs possible. I get a daily report of the lenders with the lowest rates in the country and pass those rates on to you
  • Imperial Mortgage & Real Estate Services
  • 4455 Gambah Drive, Auburn, CA, 95602
  • Imperial Mortgage & Real Estate Services has been serving clients in the Sierra Foothills for over 30 years. As both a Licensed Mortgage Broker and Realtor, Keith brings a unique set of skills to his clients. Keith has also been certified by the National Association of Realtors as a Seniors Real Estate Specialist.