USDA Vs. FHA your options comparison in Kennett, Chester County, PA

In the year 2025, the USDA loan limit for Kennett, located within the county of Chester, PA, is $381,800. In contrast, the FHA limit for a single-family home in this region is $529,000.

Use the Lendersa® USDA loan calculator to compare the current USDA versus FHA rates, helping you determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side, allowing you to choose the best plan in for your financial needs.

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2025 Loan Limits and Down Payment Requirements for Kennett, County of Chester, PA

Loan Type Loan Limit Down Payment
USDA $381,800 0%
FHA $529,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Opportunities in Kennett, PA

Lendersa® aims to secure the best USDA or FHA loan for you, efficiently and without difficulty. Begin with any of the three pathways to match with suitable lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in PA

The USDA home loan, also known as a USDA rural development loan, is guaranteed by the Department of Agriculture and available in rural areas only. Unlike FHA loans that require a minimum down payment of 3.5%, there is no down payment needed for a USDA mortgage loan.

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



  • Cogent Financial
  • 3800 American Blvd, Suite 1500, Bloomington, MN, 05543
  • Cogent Financial offers a wide array of mortgage products and programs that are designed to meet all your needs. We are prepared to place you in the best program available. Conventional: Our goal is to provide you with a fast approval as well as the most competitive rates possible. We offer fixed and adjustable rate mortgages
  • Bank of Clarendon
  • 106 S. Brooks Street, Manning, SC, 29012
  • The Bank of Clarendon is a full service bank that began as a cash depository after the Great Depression in 1932. There was no bank in the community at the time, and the founding fathers worked extremely hard to build the confidence of the people of Clarendon County. In 1939, the bank received a state charter.
  • Associated Mortgage Bankers
  • 2395 Ocean Ave, Suite 5, Ronkonkoma, NY, 11774
  • Founded in 1989, Associated Mortgage Bankers, Inc. (AMB) is a successful independent mortgage banking firm specializing in a wide array of mortgage products providing you with the essential tools to become a highly successful loan officer. We have built a platform where top sales people can thrive while delivering superior mortgage products
  • First National Bank & Trust
  • 233 South Stephenson Ave, Iron Mountain, MI, 04980
  • First National Bank & Trust is proud to be rooted in your community since 1887, delivering great personal service and the best financial products to our customers and the local communities we serve. community since 1887, delivering great personal service and the best financial products.
  • Strategic Capital Solutions
  • 500 Michigan Ave, Dearborn, MI, 48124​
  • Strategic Capital Solutions is an independently owned full-service commercial mortgage brokerage firm originally founded in 1994 and rebranded most recently in 2019. Since inception the company has been continuously involved in debt and equity placement for commercial real estate in the range of $1M-$200M+.
  • FlipOS
  • 2355 East Camelback Road, Phoenix, AZ, 85106
  • FlipOS platform enables investors to flip homes faster than ever. Featuring expert insight and analysis to understand your investments, easy-to-use tools for calculations and organization, and a streamlined process in place to get you funded. FlipOS has everything a flipper needs to succeed.
  • Pinnacle Funding Group
  • 6625 Mediterranean Drive, Suite 200, McKinney, TX, 75072
  • At Pinnacle Funding Group, we consider ourselves financial advocates to those we serve by providing wise, financially sound directives that lead to True Home Ownership. Brian Palmer is the President Pinnacle Funding Group, Inc. Pinnacle Funding Group, Inc. has been providing the lowest rates, the best products, and the highest quality of service.
  • API Funding
  • 14545 S. Military Trail, Suite J101, Delray Beach, FL, 33484​
  • Allied Physicians Inc (API) was founded in 1999 in Rehoboth Beach Delaware as HQ for the national physician union, medical practice management and services provider. Allied Physicians was relocated to Florida in 2003. For nearly 20 years, we have grown to support countless businesses in nearly every industry & communities throughout the world.
  • Commercial Finance USA
  • 2415 San Ramon Valley Bl, Suite 4179, San Ramon, CA, 94853
  • We are a commercial real estate and business financing company established in 1995, providing Commercial and Construction Financing, and Business Loans in the U.S. and abroad. We have a reputation for extremely competitive interest rates and fast and professional service. Of equal importance, we hold ourselves to the highest.