In 2026, the USDA loan limit for Ephrata in Lancaster County, PA, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare leading USDA vs FHA rates today, assessing the required income, credit, reserves, and documents for eligibility. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, aiding your decision on which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you without hassle. Start by choosing one of three paths to connect with lenders and explore suitable USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also called a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans requiring at least 3.5% down, USDA loans need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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