USDA Vs. FHA your options comparison in Kelly, Union County, PA
As of 2026, the USDA loan limit in Kelly, part of Union county, PA, is $336,500, whereas the FHA limit for a single-family home is $472,030.
With Lendersa® USDA loan calculator, compare the current USDA versus FHA best rates and ascertain the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA options side by side, aiding you to choose which program in suits your financial needs.
2026 Loan Limits and Down Payment Requirements in Kelly, Union, 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 Options in Kelly, PA
The aim of Lendersa® is to promptly provide you with the ideal USDA or FHA loan, free of hassle. Choose one of three starting points to pair with lenders and explore USDA loan programs.
A USDA home loan, secured by the government Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages need no down payment at all.
The USNEP Employees FCU was chartered in 1935 and now has over $15 million in assets. Our philosophy has always been to keep overhead down, safe investments and offer our members services that yield maximum benefits on savings and borrowing. USNEP Employees Federal Credit Union serves employees and their family members of the United States.
Susquehanna Community Bank was founded March 13, 1920, with 201 accounts and resources of $49, 000 in the village of West Milton, PA along the Susquehanna River. As our resources grew, so did our success. In 2020, we were ranked 63rd in the Nation as a Top Community Bank by US Banker Magazine
Milton Savings Bank provides high-quality products and services and is pleased to be the premier community bank in the communities we serve. We are proud to have the financial strength and commitment to meet the needs of our community as we have done in the past and will continue to do today and tomorrow.
Pinpoint Federal Credit Union is a member-owned financial cooperative founded in Milton, PA. The Credit Union, originally named Northumberland County Schools Federal Credit Union was chartered in 1956 by a small group of teachers who wanted to offer low-cost financial services to other teachers and make a positive difference.
The Northumberland National Bank opened for business in 1903, in a storefront building on the corner of Queen and Water Streets. State senator and Witmer Steele Lumber Company owner Charles Steele saw the need for an independent, locally-owned community bank in his hometown, and his idea was immediately popular
Wyrope Williamsport Federal Credit Union is a not-for-profit financial cooperative that is fully owned and operated by its members. Because of the cooperative, non-profit nature, loan rates are lower, savings rates are higher, and members benefit from the low-cost, convenient services offered.
Williamsport Teachers Credit Union has been open since 1934. The credit union has assets totaling $13.94 Million and provides banking services to more than 1, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans.
Central Keystone Federal Credit Union has been open since 1954. The credit union has assets totaling $53.45 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
For over 100 years, the bank has strived to live up to its motto of “Large enough to serve you, small enough to know you, and strong enough to protect you.” As our industry and community continue to evolve, the bank will seek new avenues to serve you better, become stronger to protect you more, and remain a friend to each one of their customers
