USDA VS FHA 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.

Results of Lendersa USDA loan requests

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?



  • JG Funding Corporation
  • 531 Wild Avenue, 2nd Floor, Staten Island, NY, 10314
  • JG Funding is a direct hard money lender that has been providing the real estate industry with immediate access to short term financing for over 12 years. JG Funding serves a growing need for investors looking for creative or situational financing within a tight time frame to fund acquisition, refinance, rehab & other real estate investment.
  • Grand Oaks Funding, LLC
  • 600 Manor Road Suite 2A, Staten Island, NY, 10314
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Newfield National Bank
  • 18 S.West Boulevard, Newfield, NJ, 08344
  • Newfield National Bank, a full-service community bank, is a part of the Newfield Bancorp. It is a mutual savings bank, which is located in Newfield, N.J. Newfield National Bank provides a wide range of financial services and products, such as certificates of deposit, loans, checking and savings accounts
  • Failla Funding
  • 23 Dorit Ct, Staten Island, NY, 10308
  • Failla Funding For over 20 years, me and my team have been committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your f
  • Fidelity First Mortgage Corporation
  • 3974 Amboy Road, Suite 302, Staten Island, NY, 10308
  • "Fidelity First Mortgage has been in business since 1994. We have served the local community by providing a broad range of mortgage loan products for residential, condo, coop, multifamily, mixed use, and commercial properties. We are a small firm. Because of that we provide the highest level of customer service,"
  • Local 1233 Federal Credit Union
  • 19 Fenwick Street, Newark, NJ, 07114
  • All members and full-time employees of ILA Local 1233, ILA Local 2049, Local 1233 Federal Credit Union and their immediate families are eligible to join Local 1233 Federal Credit Union. All new members must provide proof of residency, social security number, and two picture identifications.
  • Public Service Plaza Federal Credit Union
  • 80 Park Plaza, Newark, NJ, 07102
  • Public Service Plaza Federal Credit Union has been open since 1953. The credit union has assets totaling $18.7 Million and provides banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves communications.
  • ILA Local 1235 Federal Credit Union
  • 1 Gateway Center, Suite 2600, Newark, NJ, 07102
  • The I.L.A LOCAL 1235 Federal Credit Union was created for the members of the International Longshoreman Association. Our membership is based on longshoreman, warehouseman, checkers & the immediate family of members.We have been here for our members since 1982. The credit union is preparing to expand their current services for our wonderful members.
  • Federal Employees Newark Federal Credit Union
  • 970 Broad Street, Newark, NJ, 07102
  • FENFCU is a federally chartered, full-service credit union whose members are employees of federal employees, and their family members, of agencies that are headquartered, or have been historically headquartered out of Nothern New Jersey. This list includes IRS, USDOJ, Homeland Security, the US Courts in New Jersey, FBI, DEA, ATF, SSA, GSA.