USDA and FHA Pro and Con in Derry, Dauphin County, PA

During 2025, the USDA loan limitation for Derry, situated in the county of Dauphin, PA, is $336,500. Conversely, the FHA cap for a single-family home is designated at $472,030.

Use the Lendersa® USDA loan calculator to compare the current top USDA versus FHA rates, determining the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator contrasts USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the most suitable plan for your financial circumstances in .

Examine loan offers from over 100 lenders

2025 Loan Limits and Down Payment Requirements in Derry, County of Dauphin, PA

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

USDA and FHA Loan Alternatives in Derry, PA

Lendersa® is committed to rapidly providing you the best possible USDA or FHA loan with no hassle involved. You can choose one of three initial paths, each leading to matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in PA

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan, is exclusively available in rural locales. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages require no down payment at all.

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



  • Equity Zone Mortgage
  • 7811 Laguna Blvd, Suite 110, Elk Grove, CA, 95758
  • The Equity Zone Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.
  • White House Realty Inc
  • 9245 Laguna Springs Drive, Suite 200, Elk Grove, CA, 95758
  • We are a Property Management Company offering services to anyone looking for, Rental Homes, Management Services, Leasing, Vendor Management, Tenant Placement and Landlord Services as well as Full Circle Investment Real Estate and Property Management Services. Established in 2011.
  • Beatific Associates Inc.
  • 9205 Daylor Street, Elk Grove, CA, 95758
  • Experienced Real Estate Broker & Mortgage Banker with a demonstrated history of Success, Operates as CEO of Beatific Associates Inc.( Real Estate Brokerage BRE#02056389 & Mortgage Banker NMLS#1724782 ) . Skilled in Negotiation, Private Money, Conventional Loans U.S. FHA Financing, U.S. VA Loans, USDA Loans of Investment Properties, 1031 Exchange.
  • Clear Point Mortgage
  • 9245 Laguna Springs Dr, Unit 200, Elk Grove, CA, 95758
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Big Valley Mortgage
  • 9250 Laguna Springs Dr #200, Elk Grove, CA, 95758
  • Founded in 1990, Big Valley Mortgage is one of the fastest growing full-service mortgage bankers serving our local communities with branch locations in Reno, throughout the Sacramento Valley, and into the Central Valley. At Big Valley Mortgage, we are passionately committed to serving our clients by delivering honesty
  • Mortgage Tree Capital
  • 9281 Office Park Circle Suite 158, Elk Grove, CA, 95758
  • Mortgage Tree Capital is a specialty finance company that originates, purchases, sells, and services mortgage loans secured primarily by first mortgages on single-family residences. Headquartered in Elk Grove (Sacramento County), California, Mortgage Tree Capital and Mortgage Tree Reality is a wholly owned subsidiary of Mortgage Tree Capital Inc.
  • Members 1st Credit Union
  • PO Box 492395, Redding, CA, 96049
  • Members 1st Credit Union provides the convenient and relevant financial services its members need to achieve their goals and dreams. They offer checking, savings, certificates, IRAs, money market, credit cards, mortgages, home equity loans, auto loans, personal loans, student loans, online and mobile banking and more.
  • Only 1 Benji
  • 1177 Hilltop Dr, Redding, CA, 96003
  • Benji Edwardson was born and raised in Redding, CA. He received his psychology degree in 2004 from Simpson University and wanted to go into counseling. He took a job at a local mortgage office in 2004 and decided this was his career.His wife Jamie is a local Real Estate agent that was also born and raised in Redding.
  • Rafael Arrieta Mortgage Loans
  • 2716 Broadway, Sacramento, CA, 95818
  • When you need a mortgage that meets your Goals, Rafael will help you understand the mortgage process. Make a smart financial decision with your next mortgage. Since October 2019, Rafael Have been working. Rafael is younger Spanish speaking Person. Rafael’s educational background is in database management.
  • Michael Buccella Mortgage Lender
  • 2716 Broadway, Sacramento, CA, 95818
  • My name is Michael and I am so glad you clicked on my Yelp page. I would like nothing more than to earn your business and your trust and I hope your visit here will encourage you to reach out to me, even if you just have a simple mortgage or real estate question that you would like to ask.