USDA Vs. FHA Pro and Con comparison in Lower-Mount-Bethel, Northampton County, PA

In 2025, USDA loan limit in Lower-Mount-Bethel, county of Northampton, PA is $298,080 while FHA limit is $372,600 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Lower-Mount-Bethel, county of Northampton, PA

Loan Type Loan Limit Down payment
USDA $298,080 0%
FHA $372,600 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Lower-Mount-Bethel, PA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Pennsylvania?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • Florida Mortgage and Loan LLC
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  • Florida Mortgage is committed to helping you find the right mortgage for you & your family. We are located in Fort Pierce, Florida & offer loans for purchasing, refinancing, and investing in St. Lucie & Martin County on the Treasure Coast of Florida. We understand that buying a home is a big decision and so is choosing the right mortgage broker.
  • Innovative Mortgage Services
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  • Harvesters Credit Union began serving the employees and families of what is now International Paper in 1948. In 2003, we became a community charter credit union and opened our doors to anyone living, working, worshiping or attending school in Escambia and Santa Rosa counties. Since then, we’ve grown to serve over 20,000 members.
  • Harvesters Mortgage Express
  • 400 S. Hwy 29, Cantonment, FL, 32533
  • Harvesters Credit Union began serving the employees and families of what is now International Paper in 1948. In 2003, we became a community charter credit union and opened our doors to anyone living, working, worshiping or attending school in Escambia and Santa Rosa counties. Since then, we’ve grown to serve over 20, 000 members
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  • CCUFL started as West Florida Central Credit Union in 1962. For almost 60 years, CCUFL has shown what a credit union really is... people helping people. CCUFL has strived to be a community credit union by incorporating the membership and values of the credit unions that have come together to form Central Credit Union of Florida.
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  • 8680 Scenic Hwy, Pensacola, FL, 32514
  • "Rapid Rate Mortgage is a mortgage brokerage that uses our cutting edge technology to help those with less than perfect credit scores qualify for a home. Realtors love our Loan Portal System where they can log in any time of the day and print off a pre-qualification letter for any amount less than the buyer's max budget."
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  • At Pen Air Federal Credit Union respect is a guiding principle. An unshakeable belief in dreams and the can-do attitudes that make them real. As the largest and oldest local credit union in Pensacola, Florida with $2.3 billion in assets, we are dedicated to enhancing lives through exception service
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  • "LoanFlight Lending is licensed by the U.S. Department of Housing and Urban Development as a Title II Mortgagee and a FHA approved licensed mortgage lender. Here at LoanFlight Lending, a privately held mortgage lender, we excel at the forefront of technology driven mortgage marketing and origination. Using vast national experience,"