USDA Vs. FHA Pro and Con comparison in McSherrystown, Adams County, PA

In 2025, the USDA loan limit in McSherrystown, within Adams county, PA, is $336,500, while for a single-family home, the FHA limit is $472,030.

Use Lendersa® USDA loan calculator to evaluate today's most competitive USDA vs. FHA rates and discern the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, ensuring you choose the best program in for your financial circumstances.

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Loan Limits and Downpayment Needs for 2025 in McSherrystown, Adams, PA

Loan Type Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in McSherrystown, PA

Lendersa® aims to promptly and effortlessly secure you the best USDA or FHA loan. Start with one of three approaches to connect with lenders and explore USDA loan options.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in PA

A USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.

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



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