USDA Vs. FHA your options comparison in Athens, Bradford County, PA

In 2025, the USDA loan limit in Athens, situated in Bradford County, PA, is $336,500, while the FHA limit for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to compare top USDA against FHA rates available today, and determine the necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA options side by side, supporting your decision on the most fitting program in for your financial circumstances.

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2025 Loan Limits and Down Payment Requirements in Athens, Bradford County, PA

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 Athens, PA

Lendersa® aims to efficiently connect you with the best USDA or FHA loan without hassle. Choose from one of three initial steps designed to match you with suitable lenders and USDA loan programs.

Results from Lendersa USDA loan request and matching

Understanding USDA Loans in PA

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans do not require any down payment, offering a significant advantage to eligible rural buyers.

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



  • Trust Home Loans
  • 7995 E. Hampden Ave, Suite 204, Denver, CO, 80231
  • Trust Home Loans, LLC is a Colorado mortgage lender located in the Denver Metro Area. We specialize in residential home loans including Conventional, FHA, VA and USDA. We’re always working hard to stand out from our competition. We work with wholesale banks which allows us to offer our clients the most competitive rates and loan programs
  • Mindful Mortgage Group
  • 1271 Banner Circle, Erie, CO, 80516
  • Kim Clancy has been working in the mortgage industry for over 17 years. She has seen the good, the bad, the ups, and downs, and has helped hundreds of families realize their dream of home-ownership. Kim is dedicated to educating her borrowers on the best scenario for their situation and keeps their best interest in the top of her mind.
  • Trailhead Mortgage
  • 50 Jordan Lane, Erie, CO, 80516
  • With Trailhead Mortgage working for you, you’ll have access to wholesale mortgage rates from our partner network that you won’t find online. Our focus on eliminating the hassles of getting a mortgage results in a simplified digital process that keeps the loan moving forward. we bring a consultative, and creative approach to our relationships.
  • The Best Loan Officer
  • 225 Union Blvd, Suite 150, Denver, CO, 80229
  • Colorado's Best Mortgage Broker, The Best Loan Officer! If you need money for a real estate transaction, we can find it for you. As your expert mortgage broker, your best interest is always on my mind. I like to keep my clients for life. The only way to do that is to offer exceptional service plus knowing that I am your trusted advisor
  • Star Tech Federal Credit Union
  • 5310 DTC Parkway, Suite H, Greenwood Village, CO, 80111
  • Star Tech FCU serves all employees and residents of Greenwood Village and the Denver Tech Center. STAR TECH FEDERAL CREDIT UNION is a company based out of 5310 Dtc Pkwy Ste H, Greenwood Villa, Colorado, United States. Star Tech FCU offers the best of both worlds - 24/7 access to your money with personalized service!
  • AMG National Trust Bank
  • 6295 Greenwood Plaza Blvd., Greenwood Village, CO, 80111
  • AMG National Trust (AMG) is a privately-held wealth management firm headquartered in Denver, Colorado. With more than 45 years of wealth management expertise, AMG has helped individuals and families, corporate executives, business owners and institutions develop strategies for long-term financial success.
  • LenderCity
  • 7887 East Belleview Ave, Suite 1100, Denver, CO, 80111
  • LenderCity was founded with the consumer in mind. Our technology puts you in control of much of the process which means you get lower rates and reduced closing costs. Each rate quote goes through our pricing engine resulting in real-time rate and closing cost data. We then discount the rates even more to deliver true value to our customers.
  • NBH Bank
  • 7800 E Orchard Rd, Greenwood Village, CO, 80111
  • NBH Bank provides clients with a full range of financial products and services throughout Colorado, Kansas, Missouri and Texas. With over 1, 100 associates and more than 100 convenient Banking center locations and ATMs, we focus on consumer, small business and commercial Banking relationships.
  • The Dooley Team
  • 7935 E Prentice Ave, Greenwood Village, CO, 80111
  • Glenn credits his partner Brad Wyatt for building the Dooley Team and surrounding Glenn with outstanding people so clients receive an exceptional customer experience. From embracing technology to not forgetting what a firm hand shake means, Glenn and his team are able to help borrowers of all ages achieve their dreams of homeownership.