USDA Vs. FHA Pro and Con comparison in Harborcreek, Erie County, PA

In 2025, the USDA loan limit for Harborcreek, Erie County, PA, is set at $336,500. Meanwhile, the FHA limit for single-family homes is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA loans and determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loan options side by side to help you decide which program in best suits your financial needs.

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2025 Loan Limits and Down Payment Requirements in Harborcreek, Erie, 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 Harborcreek, PA

The purpose of Lendersa® is to secure the most appropriate USDA or FHA loan quickly and without difficulty. Choose one of three starting paths to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in PA

A USDA home loan, backed by the Department of Agriculture, often referred to as a USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not necessitate any down payment, increasing accessibility for eligible applicants.

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



  • House of Professionals Inc
  • 14363 Torrey Chase, Suite F-1, Houston, TX, 77014
  • We have been in the real estate/mortgage industry for 33 years. I can help direct you on the best plan for you with your current financial status mixed with your future plans. We offer different financial solutions and sometimes can even help you if you were turned down from a different company. Don't go home shopping without knowing.
  • Atrich LLC
  • 350 North Sam Huston Parkway East, Suite101, Houston, TX, 77060
  • Atrich is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Money Man 4 Business
  • 363 N Sam Houston Pkwy E, Suite 1100, Houston, TX, 77060
  • We are an independent sales office that provides loan programs to small and medium size business.Money Man 4 Business can provide valuable working capital to strong, under-served businesses in any industry without the issues usually associated with traditional bank loans. In fact,we have already helped thousands of merchants all across the country.
  • Morton Mortgage Inc
  • 8900 Eastloch Drive, Suite 140, Spring, TX, 77379
  • Morton Mortgage, Inc. is a Texas Mortgage Company. Renee Morton and her team bring the expertise of over 40 years to the closing table. They take great pride in offering competitive rates, exemplary customer service and great attention to detail to insure your home lending experience is the finest.
  • Texas Mortgage Professionals
  • 17018 Seven Pines Dr, Suite 200, Spring, TX, 77379
  • Texas Mortgage Professionals, lending since 2003. Our team consists of mortgage professionals that provide services for mortgages all over Texas. We are committed to providing the time and service to those whom need it and value to those whom have achieved it. We want to make sure everyone has the opportunity to buy their dream home.
  • Shell FCU
  • 301 E 13th Street, Deer Park, TX, 77536
  • Shell FCU is a member owned and operated cooperative serving Harris County. We offer a wide range of services at no-cost or at lower costs than traditional financial institutions, including more favorable rates on dividends and loans.Anyone who lives, works, worships, attends school, or regularly conducts business.
  • Lubrizol Employees' Credit Union
  • 205 Center Street, Deer Park, TX, 77536
  • Lubrizol Employees' Credit Union is proud to be a member-owned, not-for-profit financial cooperative whose sole purpose is to serve its members. Our commitment to our members is consistent with our credit union principles of “Not for Profit, Not for Charity, But for Service” and our philosophy of “People Helping People
  • City of Deer Park Federal Credit Union
  • 2005 Center Street, Deer Park, TX, 77536
  • The City of Deer Park FCU was established for all current City of Deer Park Employees, Retirees, Volunteer Firefighters/ Paramedics, Elected and/or Appointed City Officials, and the extended family of those members. In 2013, membership was extended to the employees & extended family members of the Deer Park Independent School District as well.
  • Liberty Mortgage
  • 3710 Center St, Suite 101, Deer Park, TX, 77536
  • The resourceful and skilled team at Liberty Mortgage is eager to help you reach your dreams. If you need an experienced Deer Park, TX mortgage team focused on precision, give us a call. FHA Loans with -0- lender fees and also we can usually issue a credit to the buyer to cover some of their closing costs. Credit Scores as low as 580 on FHA.
  • Capital Farm Credit
  • 3000 Briarcrest Dr, Bryan, TX, 77802
  • Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses. We are a proud member of the nationwide Farm Credit System which provides financing to meet the needs of rural America.
  • Network Finance Inc
  • 2511 S Texas Ave, Bryan, TX, 77802
  • We have been in business for over 20 years and have staff that have been with us since our doors first opened. We build strong relationships with our customers and the majority of our clients are return customers. We care about you and your financial well-being. We are commited to helping you do that.