USDA VS FHA in Lower-Merion, Montgomery County, PA

In 2025 for Lower-Merion in Montgomery county, PA, the USDA loan limit is $345,000, while the FHA cap for a single-family home is $431,250.

Utilize Lendersa®'s USDA loan calculator to contrast the top USDA and FHA rates available today and assess the income, credit, reserves, and documentation required for eligibility. With our sophisticated mortgage calculator, obtain a side-by-side comparison of USDA, FHA, Conforming, and VA programs to select the most suitable option in for your financial scenario.

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2025 Loan Limits and Down Payment Requirements in Lower-Merion, Montgomery, PA

Loan Type Loan Limit Down Payment
USDA $345,000 0%
FHA $431,250 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Lower-Merion, PA

Lendersa® aims to swiftly provide you a top-notch USDA or FHA loan, hassle-free. Choose one of three starting paths to connect you with suitable lenders and USDA loan solutions.

Lendersa USDA loan request and matching results

Understanding USDA Loans in PA

A USDA home loan, sponsored by the U.S. Department of Agriculture and known as a USDA rural development loan, is available exclusively in rural regions. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages eliminate down payment requirements."

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



  • Main Street Mortgage Company
  • 147 Rebel Hill Road, Conshohocken, PA, 19428
  • Main Street Mortgage Company prides itself on exceeding our clients’ expectations in finding the ideal home loan for their situation. For more than 8 years, our team has provided quality service to every client that we’ve worked with. Whether you want the lowest possible rate or a complex financing package.
  • The Hussey Team
  • 706 Fayette St, Suite C, Conshohocken, PA, 19428
  • Buying a new home is an experience that lasts a lifetime, so why not have memorable one? The Hussey Team strives to make this happen. There could be some turbulence along the way, but it takes the right team to counsel all parties involved to reach a solution. We are mortgage advisors that work fast, accurately, and have fun.
  • Real Property Capital
  • 303 Harry Street, Conshohocken, PA, 19428
  • RPC offers a variety of loan types tailored to suit any commercial real estate requirement. These include permanent loans for both refinance and acquisition, construction loans, bridge loans, mezzanine/preferred equity, and traditional equity. Although we do not recommend hard money loans.
  • Cross Country Mortgage
  • 625 West Ridge Pike Building A, Conshohocken, PA, 19428
  • First Choice Mortgage Advisors has a highly knowledgeable staff in Pennsylvania, we truly encompass the word TEAM. Priding ourselves in top notch COMMUNICATION, we work seamlessly together to provide all Pennsylvania residents with the highest quality home loans. Whether you are looking to build your dream home, purchase a home, refinance
  • COLONIAL MORTGAGE ADVISORS LLC
  • 625 W Ridge Pike, Conshohocken, PA, 19428
  • Founded in 2011, the key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity. We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution.
  • Hyperion Bank
  • 199 West Girard Avenue, Philadelphia, PA, 19123
  • Hyperion Bank is a community bank dedicated to delivering highly personal service to individuals and commercial customers throughout the greater Philadelphia region. Locally owned and operated since 2006, Hyperion Bank offers a full spectrum of banking services, including Small Business Administration (SBA) loans.
  • I Fund Cities
  • 448N 10th Street, Suite 402, Philadelphia, PA, 19123
  • I Fund Cities is an alternative lending platform born from the desire to provide investors with reliable capital and a lending experience that’s all about speed, transparency, and partnership. Our company is doing things a little differently around here and some like to even call us the renegade in the lending industry - innovative and disruptive.
  • Spring Garden Lending Group LLC
  • 990 Spring Garden Street, Suite 602, Philadelphia, PA, 19123
  • A private lender specializing in bridge and permanent loans to acquire, rehab, construct and refinance real estate investment properties for rent or to flip in Philadelphia, Baltimore, Washington, DC, and Lancaster, PA and their surrounding suburbs. Spring Garden Lending now provides 30 year fixed rate financing for rental properties.
  • Countryside Lending Group LLC
  • 315 N. Bobbin Mill Lane, Broomall, PA, 19008
  • Countryside Lending Group LLC 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.
  • Scion Lending
  • 325 Chestnut St, Suite 800, Philadelphia, PA, 19106
  • Our mission is to help our customers build wealth through real estate thus our tagline, "The Wealth Builder through Real Estates. Our only purpose is to deliver successful results. You do not need to be afraid of taking the first steps towards homeownership because we will guide you.
  • United Savings Bank
  • 1510 Packer Avenue, Philadelphia, PA, 19145
  • United Savings Bank's first seeds were planted on May 29th, 1912 when the Southwestern Businessman's Building & Loan Association opened its doors in South Philadelphia. Eleven years later, on August 17th, 1923, it would become Albert Lawrence Building & Loan Association with its home office at 21st & Wharton.
  • Tioga-Franklin Savings Bank
  • 320 East Girard Avenue, Philadelphia, PA, 19125
  • Tioga-Franklin is the little bank with the big difference. We have been around since 1873, so we know a few things about quality banking. At Tioga-Franklin, you get all the benefits of a large banking institution in addition to the personalized, familiar environment of a small, community bank. As a Tioga-Franklin customer.