USDA Vs. FHA Pro and Con comparison in Lower-Heidelberg, Berks County, PA
In 2025, the USDA loan limit in Lower-Heidelberg, located within Berks County, PA, is set at $285,000. Meanwhile, the FHA limit for a single-family home stands at $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA best rates, determining the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows you to view the USDA, FHA, Conforming, and VA options side by side, assisting in deciding which program in best fits your financial situation.
2025 Loan Limitations and Down Payment Guidance in Lower-Heidelberg, Berks, PA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Lower-Heidelberg, PA
The mission at Lendersa® is to quickly secure the best USDA or FHA loan without hassle. Select one of the three initial steps that connect you with matching lenders and appropriate USDA loan programs.
A USDA home loan, assured by the U.S. Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment, offering financial flexibility to eligible rural borrowers.
The Guaranty State Bank & Trust Company had its beginnings during the days following the First World War. During the war times bank charters were easy to come by, and two new banks started business in Beloit. The result was five banks competing for business. We have five locations, Beloit, Jewell, Burr Oak, Esbon, & Smith Center.
As the First National Bank of Beloit, we opened our doors for business on July 29, 1884, at the corner of Main and Mill. Five generations of service later, we are now chartered as a state bank under our new name, First Bank of Beloit. Although our “official” charter date is now August 5, 2019,
A credit union is defined as "a cooperative association organized to promote thrift among its members and accumulate a fund from these savings to make needed loans to members for useful purposes at reasonable interest rates." This was the theory that started Farmway Credit Union back in 1950 and still holds true today.
Vermilion Bank supports its community in many ways with many of our staff members actively involved in local civic organizations. We have loaned more of our assets to the community and surrounding area than any local bank in Kaplan. We provide top quality service to our customers at a reasonable price
East Texas Telco Credit Union was organized June 26, 1951, as a state-chartered credit union in a Longview home. The credit union served employees of Southwestern Bell Telephone Company in Longview. As the credit union grew, the location was moved to where the credit union now sits, and another branch in Tyler was added in 1996.
Shamrock Bank is a full service, employee-owned, community bank serving Oklahoma & north Texas communities.
Our mission is to create an outstanding banking experience for our communities by nurturing an effective employee ownership culture.
Visit www.shamrockbank.com for our hours and addresses to our 8 current locations in Coalgate, Dura
Oklahoma Community Credit Union is the only original Credit Union from Stillwater, OK. Oklahoma Community Credit Union was founded at Oklahoma State University in 1968. We have grown from a small room, open once a week in the Student Union, to two Stillwater locations and over 13, 000 members.
Five Points Bank is a family-owned bank born out of a need for quality, personalized banking in the Grand Island community. Our customers will always be the priority at Five Points Bank. When it was founded in September of 1971, the Five Points Bank claimed the first bank charter in the area in May of 1971.
Garden Plain State Bank was granted a charter by the Kansas Banking Commission in December of 1966. The bank opened in Garden Plain Kansas on December 21, 1966. The bank enjoyed a steady growth since its inception and then made a decision to expand into the Wichita Kansas market.
