USDA and FHA Pro and Con in Centre, Berks County, PA

For 2025, the USDA loan limit in Centre, within Berks county, PA, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to compare today's most favorable USDA against FHA rates, identifying the income, credit, reserves, and documents required for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program in for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Centre, Berks County, PA

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Centre, PA

The goal of Lendersa® is to facilitate fast and hassle-free access to the best USDA or FHA loans. Opt for one of the three starting points below to get matched with lenders and explore USDA loan programs.

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Understanding USDA Loans in PA

A USDA home loan, endorsed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is exclusively offered in rural areas. It differs from FHA loans, which require a minimum 3.5% down payment, as USDA mortgages do not require any down payment.

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



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