Skip to content
Purchase Mortgage Loan
Get Pre-Approved

VA loans in Gardner, MA

Quick answer

Eligible veterans and service members in Gardner, MA can buy with 0% down and no monthly mortgage insurance; with full entitlement there's no VA loan limit, and Worcester County's $832,750 limit applies only to partial entitlement. On the $271,300 median home, the estimated payment is $2,305/month at 7.18% including the 2.15% first-use funding fee.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $62,948; value-to-income ratio 4.31. Gardner ranks 81 by home value and 68 by population among 89 places in our MA dataset.

What does a VA loan cost on a typical Gardner home?

ItemGardner
Median home value (Census ACS)$271,300
Massachusetts median home value$525,800
Down payment (0%)$0
Loan incl. 2.15% funding fee$277,133
Estimated monthly payment (PITI + MI)$2,305
Income needed (28% / 36%)$99,000 / $77,000
Worcester County 2026 county limit for partial VA entitlement$832,750

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Massachusetts's 1.11% effective property tax rate (Census ACS), $2,134/yr homeowners insurance (NAIC state average); VA loans have no monthly mortgage insurance.

What is the 2026 VA loan limit in Gardner?

VA loans have no loan limit for borrowers with full entitlement. If part of your entitlement is tied up in another VA loan, VA uses Worcester County's 2026 conforming limit of $832,750 to calculate your zero-down maximum. The county's FHA limit is $545,100 for comparison.

The Gardner median home value of $271,300 is 48% below the Massachusetts median, and within what the county limit supports.

Which down payment assistance programs can Gardner buyers use?

VA loans in nearby cities

FitchburgLeominsterWorcesterHudsonMarlboroughMaynard

VA loan FAQs for Gardner

Not for borrowers with full entitlement. If you have an active VA loan or unrestored entitlement, Worcester County's 2026 limit of $832,750 is used to calculate how much you can borrow with no down payment.

With 0% down on $271,300, a 2.15% first-use funding fee financed brings the loan to about $277,133; the estimated payment including Massachusetts taxes and insurance is $2,305/month. Veterans with a service-connected disability rating are generally exempt from the fee.

At the $271,300 median value (below the Massachusetts median of $525,800), the estimated payment of $2,305/month at 7.18% needs about $99,000 a year under the 28% housing guideline, or $77,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with VA lenders in Gardner

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.