USDA and FHA Pro and Con in Heidelberg, York County, PA

In 2025, the USDA loan limit for Heidelberg, located in the county of York, PA, is established at $336,500. In contrast, the FHA limit for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to examine the top USDA against FHA rates of today, and determine the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most suitable program in for your specific financial circumstances.

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2025 Loan Ceilings and Down Payment Requirements in Heidelberg, County of York, PA

Type of Loan Loan Ceiling Minimum Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Alternatives in Heidelberg, PA

The aim of Lendersa® is to ensure you secure the best USDA or FHA loan swiftly and without hassle. Choose one of the three entry points to engage with lenders and explore USDA loan options.

Results from Lendersa USDA loan requests and matches

Explaining USDA Loans in PA

A USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage requires none at all.

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



  • Verve, a Credit Union
  • 2900 Universal St, Oshkosh, WI, 54904
  • Verve, a Credit Union, is a member-owned, not-for-profit financial cooperative serving over 65, 000 members at 21 locations. Membership is open to anyone who lives, works or worships in 25 counties throughout Wisconsin, Illinois and Minnesota and to employees of Kimberly-Clark Corp, Fox River Paper Co.
  • Aroostook County Federal Savings and Loan Association
  • 43 High St, Caribou, ME, 04736
  • At Aroostook Savings & Loan, Your Home Bank. Since 1936, we have been dedicated to serving the people of Aroostook County & our members, who own our mutual Association. The decision to start the mutual savings association was easy at the time. During the depression, people were having a hard time to acquire the financing they needed to buy
  • The County Federal Credit Union
  • 82 Bennett Drive, Caribou, ME, 04736
  • County Federal Credit Union, we promise you; to work in your best interest, simplify your financial life, make it easy to do business with us, and partner with you to achieve financial success. Our asset size is over $411 million, and we are one of the top 10 credit unions in the State of Maine.
  • Peoples State Bank of Munising
  • 100 E. Superior St., Munising, MI, 49862
  • On May 7, 1910, seven men met to approve the Articles of Incorporation of a new bank. “The Peoples State Bank of Munising, ” as it was named, was established for the purpose of a commercial and savings bank. The bank opened for business on Wednesday, June 15, 1910. Over time, five branches were opened: Au Train in 1991,
  • Wayne County Bank
  • 216 South High Street, Hwy 64 W, Waynesboro, TN, 38485
  • The Wayne County Bank came into existence the year America entered WWI in 1914. The story of the Wayne County Bank until 1962 was the story of James L. Morrow. “Mr. Jim” was the prime mover in the organization of the bank. He served as cashier for 48 years and was a guiding force until his death in 1962. Mr. Morrow, the son of D.N.
  • MetaSouth Mortgage LLC
  • 1631 Joe Wells Road, Buena Vista, GA, 31803
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending..from purchase to refinance to construction lending.We have access to full range of mortgage sources & all of our lending specialist are dedicated to finding the right loan-with the best rates, terms & costs-to meet your unique needs.
  • First Community Bank of Hillsboro
  • 807 South Main Street, Hillsboro, IL, 62049
  • First Community Bank of Hillsboro was organized, chartered and opened in 1998 by a group of local investors who felt the need for a locally owned and operated bank. In March 2002, the former Bass Funeral Home, with all its beauty and local history, became the new home of First Community Bank of Hillsboro.
  • Bank of Hillsboro
  • 230 S Main St, Hillsboro, IL, 62049
  • Bank of Hillsboro, previously known as, National Bank, is headquartered in Hillsboro, Illinois with 11 branches serving South Central Illinois. Bank of Hillsboro is locally owned by and operated. We believe our local ownership provides valuable Insight into the needs of our communities.
  • Your hometown federal credit union
  • 2338 State Route 45 N, Mayfield, KY, 42066
  • Your Hometown Federal Credit Union has been open since 1965. The credit union has assets totaling $27.24 Million and provides banking services to more than 2,000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • First Kentucky Bank
  • 223 South 6th Street, Mayfield, KY, 42066
  • First Kentucky Bank was founded in Mayfield, Kentucky, on March 6, 1899, as The Exchange Bank. First Kentucky Bank was established with a foundation of community-minded service and professional excellence that has allowed it to grow throughout its rich history, in times of both prosperity and adversity.
  • River Valley AgCredit
  • 408 East Broadway, Mayfield, KY, 42066
  • River Valley AgCredit is part of the nationwide Farm Credit System, providing financing for agriculture and rural living since 1916. We serve Western Kentucky as well as 12 counties in Tennessee with a total of 14 Service Centers conveniently located to serve you. We have more than $475 million in loans outstanding to more than 5, 000 members
  • Champion Community Credit Union
  • 16601 County Road 150, Courtland, AL, 35618
  • Champion Community Credit Union began in 1971 with a group of Champion International Paper Company employees who saw the need for a place to save and borrow at reasonable rates. We are now a full service financial institution with assets to over $50,000,000, and four branch offices.