USDA and FHA Pro and Con in Bethlehem, Northampton County, PA

In 2025, the USDA loan cap in Bethlehem, county of Northampton, PA is $298,080, while the FHA limit for a single-family home is $372,600.

Leverage the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates and identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the ideal program for your financial needs in .

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Bethlehem, County of Northampton, PA

Loan Type Loan Limit Down Payment
USDA $298,080 0%
FHA $372,600 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Bethlehem, PA

Lendersa® aims to swiftly provide you with the most advantageous USDA or FHA loan without hassle. Begin with one of three options leading to matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in PA

A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan. It is available exclusively in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require none.

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



  • Home Loans By Shan
  • 121 W 1st Avenue, Chico, CA, 95926
  • Home Loans By Shan. Local expertise and broad real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources offered here. Home Loans By Shan's the objective here is to work diligently to assist you in meeting your real estate goals.
  • Network Mortgage
  • 155 E 3rd Ave, Chico, CA, 95926
  • Network Mortgage is a residential mortgage broker headquartered in Chico California. Founded in 1994, Network Mortgage serves California with the vision to provide mortgages to our friends, families and clients. We are a trusted mortgage brokerage that creates long term relationships and clients for life..
  • Carrion Mortgage
  • 3830 Watt Avenue, Suite 11, Sacramento, CA, 95821
  • Carrion Realty and Mortgage have Dedicated professional ready to assist you with my full commitment and integrity. Dimaggio M Carrion is the BROKER and Owner at Carrion Realty and Mortgage, The company Finding a Perfect New Home For You At The Best Value.Selling Your Home Quickly And For The Best Price.
  • Money Brokers
  • 2371 El Camino Ave, Sacramento, CA, 95821
  • The Money Brokers, Inc. has been serving Sacramento and the surrounding communities since 1979. We are equity-based lenders where the amount of equity you have determines how much of a loan we can give you. Credit problems and income verification issues do not deter us. we take your application make the decisions and fund the loans all in house.
  • Ventura County Credit Union - Thousand Oaks
  • 2575 Vista Del Mar Drive, Suite 100, Ventura, CA, 93001
  • Ventura County Credit Union started in 1950, operating out of the county courthouse. Our first office was beneath a stairwell. We had only a few employees with one cash drawer. But we were dedicated to making a difference in the lives of our members. We were determined to put money in people's pockets instead of taking it out.
  • SkyView Mortgage
  • 1255 Casitas Vista Rd, Ventura, CA, 93001
  • SkyView Mortgage. We are a full service mortgage company based in Ventura, California. We specialize in Conventional No Cost Refinance in California. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment
  • Castle Funding Corp
  • 2419 East Harbor Boulevard, Suite 29, Ventura, CA, 93001
  • Purchasing or refinancing a house can be a huge undertaking. You can rely on us to lead you to the loan program that's perfect for you. Our team can help you with a myriad of loan programs including conventional financing, FHA 3.5% down payment financing, super Jumbo loans, and “Niche” products for self-employed borrowers.
  • California Capital Mortgage Company
  • 401 Watt Avenue, Suite 5, Sacramento, CA, 95864
  • California Capital Mortgage Company was founded in 2008 and continues to grow and develop year after year. At California Capital, we have a dedicated team and we love what we do; this dedication permeates into every part of our company, enabling us to do everything efficiently from providing the highest level of customer service
  • City Center Financial
  • 3626 Fair Oaks Blvd, Suite 100, Sacramento, CA, 95864
  • The City Center Financial team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. Our Mortgage Advisors here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • CalStateLender, Inc.
  • 530 La Sierra Drive, Sacramento, CA, 95864
  • "CalStateLender, Inc. is a Local Mortgage Brokerage located in Sacramento California. Started by industry veteran Sean Safholm to offer more options for local home buyers with super competitive rates & fees. The Mortgage Broker industry is seeing tremendous grown in the recent years as smart consumers learn that the Broker can offer the same mon
  • JLV Realty and Mortgage
  • 400 12th Street, Suite 28, Modesto, CA, 95354
  • Jose Valencia as a Broker Associate and owner of JLV Realty and Mortgage with a full Real Estate Service and also a variety loans programs to buy or refinance. Also if you need to sell your home, We will be able to help you. JLV Realty and Mortgage will to work under the principal that the client is always right even though we are also realistic.