If the system is on 4.81 then a USB file won't work to downgrade this system. What needs to be done is:
Depending on the system that you have, but if it's a Nand system cecha01 to ceche01 then you have to use a progskeet, or a teensy 2.0++.
If the system is higher than the ceche01 it's a nor system and you can use a progskeet, teensy 2.0++, e3, or all the other flashers out there. There is no way right now that can downgrade a system on 4.81 and then install cfw.
The only way to downgrade a system without a flasher is that the system is currently on cfw and the use of a certain file to get it to downgrade. But if it's on ofw higher then 3.55 you will need a flasher to downgrade the system. Thanks.