USDA Vs. FHA Pro and Con comparison in Lower-Windsor, York County, PA

In the year 2025, for the county of York in Lower-Windsor, PA, the USDA loan cap is set at $285,000, whereas, for a single-family residence, the FHA loan ceiling is $356,362.

To evaluate today's top USDA and FHA rates, and to ascertain the income, credit score, reserves, and documentation necessary for qualification, use the Lendersa® USDA loan calculator. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the most suitable program according to your unique financial situation in .

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2025 Loan Caps and Down Payment Specifications in Lower-Windsor, York County, PA

Type of Loan Maximum Loan Amount Down Payment Rate
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Lower-Windsor, PA

The aim of Lendersa® is to secure you an optimal USDA or FHA loan quickly and efficiently. Choose from three initial options that contribute to matching lenders and available USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in PA

A USDA home loan is a government-backed loan by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. This option is only available in rural areas. In contrast to FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage does not require any down payment.

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



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