USDA Vs. FHA Pro and Con comparison in Emmaus, Lehigh County, PA

In 2025, the USDA loan limit in Emmaus, part of Lehigh County, PA, is $336,500, with the FHA cap set at $472,030 for single-family dwellings.

Use the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, along with identifying income, credit, reserves, and document requirements for approval. Our advanced mortgage calculator offers a side-by-side look at USDA, FHA, Conforming, and VA options, assisting in selecting the most suitable program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Emmaus, Lehigh County, 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 Choices in Emmaus, PA

Lendersa® aims to swiftly obtain the best USDA or FHA loan for you, hassle-free. Start with one of three options to find lenders and suitable USDA programs.

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Understanding USDA Loans in PA

A USDA home loan, secured by the Department of Agriculture, also referred to as a USDA rural development loan, is exclusive to rural areas. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans need none.

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



  • Tulare County Federal Credit Union
  • 300 North K. Street, Tulare, CA, 93274
  • Tulare County Federal Credit Union has been serving the financial needs of Tulare County for over 80 years. Tulare Federal was founded on April 15, 1939, as the Tulare County Teachers Federal Credit Union. In 2002, the Credit Union expanded to include the entire county, and our name was changed to Tulare County Federal Credit Union.
  • Tulare County Mortgage Services
  • 332 East King Ave, Tulare, CA, 93274
  • TCMS, we are dedicated to helping residents of CA’s Central Valley get the prompt mortgage and refinancing services they need at rates they can afford. Our loan officers are licensed, experienced & provide the attentive and dedicated customer service and attention prospective homebuyers need in order to make the process of obtaining financing easy.
  • imoneyloan
  • 10000 Wilshire, Los Angeles, CA, 90028
  • We offer commercial hard money & bridge loan lending for multifamily, apartments and rental property. • Private commercial real estate lending services available nationwide. • We offer financing options for both residential and commercial properties. • Specializing in rental property financing to help investors expand their portfolios. • Our
  • ePlanet Mortgage LLC
  • 1800 Vine Street, Suite 344, Los Angeles, CA, 90028
  • ePlanet Mortgage is a full-service mortgage company based in Hollywood, CA. We specialize in assisting First time home buyers and offering specialty relocation loans in Hollywood. We also serve the surrounding cities in Los Angeles County. Whether you are buying a home or refinancing in any of these we can help you realize your dream of home.
  • Summit Lending of Long Beach
  • 3880 Kilroy Airport Way, Suite 10, Long Beach, CA, 90806
  • Summit Lending of Long Beach is a branch office of the Orange County-based Summit Lending, a direct mortgage lender, specializing in FHA, VA, Conventional Fixed Rate, and Jumbo mortgage loans for home buyers and homeowners throughout California. As a direct lender, quite frankly, we call the shots.
  • United American Mortgage Corporation
  • 3780 Kilroy Airport Way Suite 200, Long Beach, CA, 90806
  • Jack Skovgard is your premier mortgage broker located in Long Beach, California. Jack offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Long Beach area. Whether you are first time home buyer, purchasing your dream home,
  • Axxess Capital Mortgage Corporation
  • 3780 Kilroy Airport Way, Suite 200-770, Long Beach, CA, 90806
  • Axxess Capital Mortgage. I know you'll find the services offered here helpful and the loan programs not only convenient, but very competitive. It's our goal to help you cut through the clutter and noise in the mortgage marketplace, so you can quickly and efficiently find a loan that meets your needs
  • Incom Capital
  • 2255 Lemon Avenue, Long Beach, CA, 90806
  • Incom Capital is committed to building the optimal financing structure for each client transaction.We provide capital for the purchase, re-capitalization and acquisition & development of residential and commercial real estate projects. Our team brings 50+ years of experience and relationships with over 2500 lenders.
  • Belay Mortgage Group Inc
  • 316 E Fourth Plain Blvd, Suite E, Vancouver, WA, 98663
  • "Belay Mortgage Group is a boutique local mortgage broker licensed in Washington, Oregon and California. We have options to finance with conventional (QM and non QM loans), construction, VA, FHA, USDA. We are a full service brokerage. Licensed under: Oregon Mortgage Lending License ML-5695; Washington Mortgage Broker's Practices Act MB-1737549