USDA Vs. FHA your options comparison in East-Earl, Lancaster County, PA
For 2026, the USDA loan threshold in East-Earl, within the county of Lancaster, PA, is $285,000, whereas the FHA limit for a single-family home is $356,362.
The Lendersa® USDA loan calculator is an effective tool to contrast today’s top USDA against FHA rates. It also reveals the income, credit, reserves, and documents necessary for qualification. With our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side to find the best fit for your financial circumstances in .
2026 Loan Ceilings and Down Payment Requirements in East-Earl, Lancaster, PA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Discover USDA and FHA Loan Offers in East-Earl, PA
The goal of Lendersa® is to procure the best possible USDA or FHA loan for you swiftly and with minimal effort. You may choose from three starting paths that lead to lenders matching with USDA loan offerings.
A USDA home loan, guaranteed by the Department of Agriculture, is often called a USDA rural development loan or mortgage, and it is primarily available in rural areas. While FHA loans demand a down payment of at least 3.5%, the USDA mortgage is available with 0% down payment, providing a particular advantage.
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.
The Lancaster Red Rose Credit Union’s mission is to exceed the needs of our members by providing reliable, quality financial services that will improve the lives of those we serve. Our vision at Lancaster Red Rose Credit Union is to grow membership through community outreach, education, and reliable financial services.
Fidelis Mortgage Corporation's mission is to provide you with high quality mortgage and real estate programs that are tailored to fit your unique situation at some of the most competitive rates in the nation. Fidelis is a family owned business since 2007. We have been in the mortgage industry for over 10 years and we are proud
Jonestown Bank & Trust Co. (JBT) is a Community Bank with 13 locations serving Lebanon, Northern Lancaster and Berks Counties and surrounding communities. JBT was founded in 1873 and currently has over $657 million dollars in assets. We have been recognized as a top community bank by U.S.
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.
Wheatland FCU has been a part of Lancaster County since its inception in 1936. We have a firm sense of commitment to the county we serve and belong to. Our Mission is To assist our members in building a solid financial future. At Wheatland FCU, you’re not merely a customer known only by an account number, you’re a member and owner.
Penlanco Federal Credit Union has been serving the PPL Electric Utilities family since 1938, and is now accepting additional companies and groups within 25-miles of Penlanco FCU. Penlanco FCU is a employee and group based credit union which means that you must have an affiliation with one of our employers or groups in order to be a member.
The mission of Lanco Federal Credit Union is to help members achieve their life's goals by promoting financial health and providing affordable access to credit. Lanco Federal Credit Union is a member-owned, not-for-profit financial institution. This means that Lanco returns excess earnings to our members in the form of competitive dividend rates.
