In 2026, the USDA loan limit for Middle-Smithfield in Monroe County, PA, is set at $285,000, whereas the FHA cap for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to assess today's premier USDA against FHA rates, and review the required income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, assisting you in deciding which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The goal of Lendersa® is to facilitate securing the best USDA or FHA loan as quickly and easily as possible. Begin with one of three initial options that connect you to matching lenders and appropriate USDA loan programs.
A USDA home loan, supported by the government's Department of Agriculture, is commonly referred to as a USDA rural development loan or mortgage. Designed for rural areas, USDA loans require no down payment, differing from FHA loans that demand at least 3.5% down.
Enter your location to find out if it qualifies for USDA rural housing loan?
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