For the year 2025, the USDA loan limit in Clay, within the county of Lancaster, PA, is $336,500, while the FHA cap for a single-family home is $472,030.
The Lendersa® USDA loan calculator is a valuable tool for comparing the best USDA versus FHA rates available today. It helps identify the necessary income, credit score, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA options side by side to determine which program suits your financial needs best in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to quickly securing the most advantageous USDA or FHA loan for you without complications. Choose one of three starting paths that match you with lenders and USDA loan programs.
A USDA home loan, guaranteed by the government Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. In contrast to FHA loans that require a down payment of at least 3.5%, the USDA mortgage requires no down payment, offering a unique advantage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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