USDA VS FHA in Boiling-Springs, Cumberland County, PA

In 2025, the USDA loan limit in Boiling-Springs, Cumberland, PA is $285,000, while the FHA limit for a single-family home is $356,362.

Apply the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, identifying the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, enabling you to decide the best option in for your financial situation.

Compare loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Boiling-Springs, Cumberland, PA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Consider USDA and FHA Loan Options in Boiling-Springs, PA

The mission of Lendersa® is to quickly secure you the best USDA or FHA loan without hassle. Choose one of three initial paths for connecting with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in PA?

The USDA home loan, backed by the government Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is available only in rural areas. FHA loans require a down payment of at least 3.5%, but the USDA mortgage demands none, offering a distinct advantage.

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



  • Bay Hill Mortgage LLC
  • 93 King Street, Saint Augustine, FL, 32084
  • We’re making getting a mortgage easier than ever before. Bay Hill Mortgage LLC has an experienced team of brokers on staff. Joel McConnell is a Licensed Sr. Mortgage Loan Advisor and industry professional. Joel and his Team have worked with thousands of Buyers – many repeat clients and referrals – and have in-depth knowledge of all loan programs.
  • First State Bank of Blakely
  • 2213 South Main Street, Blakely, GA, 39823
  • First State Bank of Blakely¹ was originally chartered in 1903 under the name First National Bank of Blakely and has operated continuously in Early County since its inception. The bank was owned and operated under the direction of Mr. S. G. Maddox, Sr. until his retirement in 1993.
  • WCCU Credit Union)
  • 501 North Main Street, Westby, WI, 54667
  • WCCU is here to help you spend, save, manage, invest and make money. Our goal is to facilitate financial stability in your life. Let us help aid you in finding the right checking account, the right loan and the right budget for you and your family’s life and financial well being. If you’re not a member of WCCU, apply for membership today
  • Tuscaloosa VA Federal Credit Union
  • 3701 Loop Road East, Tuscaloosa, AL, 35404
  • Tuscaloosa VA Federal Credit Union is a not-for-profit, member-owned, financial cooperative, committed to providing members with the financial services they need, when and where they need them — affordably, conveniently and professionally. Tuscaloosa VA Federal Credit Union was established in November 1951.
  • Red Oak Credit Union
  • 1008 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • Red Oak Credit Union is owned by the members and managed and operated by a professional full-time staff and a 7-member board of directors. The board of directors are elected by the members and themselves are members. All deposits are insured to at least $250,000 by the National Credit Union Administration.
  • Alabama Rural Electric Credit Union
  • 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • ARECU started with the dreams of seven in 1969, and in 2020 we are excited to be Alabama Rural Electric Credit Union, a division of Alabama ONE. The merger with Alabama ONE Credit Union in April of 2020 brings a myriad of improved products and services with the added strength of Alabama ONE's legacy of exceptional service.
  • ALABAMA ONE
  • 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • Alabama ONE was chartered in 1951 as the TRW Federal Credit Union. The name was changed to BF Goodrich Employees Federal Credit Union on July 18, 1973, and remained that through many years of growth and prosperity. In early 2001, BF Goodrich Employees Federal Credit Union was granted the status of a Community Credit Union.
  • MaggieMae
  • 511 Energy Center Dr, Suite 702, Northport, AL, 35473
  • MaggieMae is a division of Consumer First Mortgage, Inc. (CFM), a privately held residential mortgage lending corporation based in Tuscaloosa, Alabama. CFM was founded in 2000, and we hold national lending and underwriting approvals from the Federal Housing Authority (FHA), the Department of Veterans Affairs (VA),
  • Bank of Ripley
  • 134 N. Jefferson St., Ripley, TN, 38063
  • The Bank of Ripley is committed to being a friendly, locally owned community bank that consistently and profitably delivers high quality personal service and financial products to meet the needs of, and be recognized as a leader by, the communities we serve for the benefit of those who make our existence possible