USDA Vs. FHA your options comparison in Centre, Berks County, PA
For 2026, 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.
2026 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.
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.
Since 1934, Utilities Employees Credit Union (UECU) has been providing exclusive financial benefits to America’s utility and energy employees and their families. As a full-service, virtual credit union, UECU’s goal is to help workers and Pennsylvania residents improve their financial well-being, accumulate wealth.
At Discovery FCU, we're more than just a place you bank, We're your neighborhood credit union that puts you first and foremost. We focus on the financial success of our members before we do anything else. We work together to create a member experience based on the principles of honesty, reliability and genuineness.
We have simplified the mortgage process. Whether you’re buying a new home or ReFinancing your mortgage, we offer competitive and low mortgage rates without sacrificing high-quality customer service. We pride ourselves on providing customers with great mortgage rates and low fees.
Fleetwood Bank is the only locally-owned, community bank in the Greater Reading and Berks County area, and has eight offices located in Blandon, Boyertown, Fleetwood, Kutztown, Lyons, Oley, Shoemakersville and Wyomissing. We’re committed to maintaining a hometown atmosphere in each of our offices and to being active in our communities.
Since 1950, we’ve been in the business of helping our members plan for the future, cultivate smarter habits, and afford more of the things they love. Starting with a small desk and small counter outside the personnel office at the Naval Supply Depot in Mechanicsburg, PA, we’ve now grown to over 50 branches across 7 counties.
Max Mortgage is a full-service mortgage brokerage based in Reading, Pennsylvania. Founded in 2005 by a Brazilian-American woman, we are proud to have helped turn thousands of customers into homeowners.
We are not a large company, nor do we want to be. We are a tight-knit, family-owned company that puts our customers first.
New Tripoli Bank is dedicated to remaining independent and providing the financial needs of individuals, families, and small businesses in the Lehigh Valley by providing high-quality, competitively priced services in a caring, friendly environment. Our success is directly linked to the growth and vitality of our community.
The mission of CACL Federal Credit Union is to provide and promote the use of a variety of financial services which feature particular benefits and advantages over those generally available from other banking sources, with specific intent of helping members gain some particular measure of personal financial success.
Ephrata National Bank has remained an independent community Bank of undisputed integrity, serving the communities in which we do business. We offer state-of-the-art financial products and services of high quality and value at an affordable price while providing unsurpassed personal service.
