As of 2026, 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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $381,800 | 0% | |
| FHA | $529,000 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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