As of 2025, the USDA loan limit in Downingtown, situated in the county of Chester, PA, is $381,800. Meanwhile, the FHA cap for a single-family home is set at $529,000.
Utilize the Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates, assessing required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator enables a side-by-side comparison of USDA, FHA, Conforming, and VA programs, aiding your decision on the best fit in for your financial needs.
2025 Loan Limits and Down Payment Requirements in Downingtown, County of Chester, PA
Loan Type
Loan Limit
Down Payment
USDA
$381,800
0%
FHA
$529,000
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Downingtown, PA
Lendersa® aims to provide you with the best USDA or FHA loan quickly and without hassle. Choose from three pathways to connect with lenders and access USDA loan programs.
The USDA home loan, also known as the USDA rural development loan, is a mortgage backed by the Department of Agriculture, exclusively available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no such payment.
Our company believes in offering flexible loan programs to our customers. This allows us to help customers who have special needs or circumstances that may have prevented them from obtaining financing through the larger, traditional lenders. First Consumers Financial’s primary asset is our ability to serve.
We treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Some customers may need more assistance than can be provided by an Online Banking site. It is for this reason that First National Bank USA continues to provide additional auxiliary aids and services, including accepting toll-free telephone calls from customers who may have questions or need assistance regarding their accounts
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From the moment our doors first opened, we’ve been committed to serving each
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