USDA VS FHA in Middletown, Delaware County, PA

As of 2025, the USDA loan limit in Middletown, located within Delaware County, PA, is $381,800, while the FHA cap for a single-family home stands at $529,000.

Utilize the Lendersa® USDA loan calculator to explore today's best USDA versus FHA rates, assessing income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA side by side, helping you determine which program in is best suited to your financial needs.

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2025 Loan Limits and Down Payment Requirements in Middletown, Delaware County, PA

Loan Type Loan Limit Down Payment
USDA $381,800 0%
FHA $529,000 3.5%
Conventional Conforming $726,200 3%

USDA & FHA Loan Options in Middletown, PA

The mission of Lendersa® is to swiftly provide the most beneficial USDA or FHA loan options without difficulty. Choose one of three starting points, and the result will be matched lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in PA

The USDA home loan, endorsed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans have no down payment requirement.

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



  • Kuranda Financial Mortgage Inc.
  • 617 West Lancaster Ave., Wayne, PA, 19087
  • The President, Thomas Kuranda, has a business degree from the Commerce and Finance department of Villanova University in Villanova, PA. Mr. Kuranda has been in the banking, finance and mortgage field since 1992. Creating Kuranda Financial Mortgage Corp in 1996 was Mr. Kuranda's first step in applying his knowledge of the bond market to mortgage
  • County Savings Bank
  • 10 Powhattan Ave, Essington, PA, 19029
  • County Savings Bank has served the Tinicum and Ridley Township neighborhoods with dependable full-service banking operations. Our customers appreciate the way we balance small town warmth with “big bank” services and security We bring a real community feeling into your bank - a place where you put your business and your trust.
  • Commonwealth Capital
  • 518 W. Lancaster Ave, Haverford, PA, 19041
  • Commonwealth Capital provides real estate secured financing (short-term bridge and mini-perm loans) for businesses and real estate investors that do not qualify for traditional bank credit or need a rapid response.Since our founding in 2010, we have funded over $100 million in small balance commercial real estate loans, representing more than 300 t
  • Stage Point Capital
  • 2 Booth Ln. #4, Haverford, FL, 19041
  • Stage Point Capital, LLC is the investment adviser to Stage Point Fund, LLC, which provides loans (private finance capital) secured by 1st lien mortgages for the purchase and renovation of residential investment property. WHITNEY QUILLEN is the Chief Executive Officer of Stage Point Capital, LLC.
  • Rehab Financial Group
  • 1062 Lancaster Avenue, #15c, Bryn Mawr, PA, 19010
  • Loaning 100% of purchase & 100% of rehab on 1-4 unit properties (including mixed-use props) in 18 states for 650+ FICO borrowers (even inexperienced). When the property is purchased via a wholesaler, we Lend 100% of the wholesaler assignment fee as long as the A to B contract price and the assignment fee doesn't exceed the AS IS value. Also lending
  • Verge Funding Group
  • 610 Old Lancaster Rd, Bryn Mawr, PA, 19010
  • Verge Funding Group is a women-owned business in Bryn Mawr, PA that helps businesses gain access to working capital for their day-to-day operations and growth. When banks say no, we say yes.We offer honest and transparent financial solutions with exceptional customer service and support.
  • Rehab Financial Group, LP
  • 1062 Lancaster Ave, Suite 15C, Rosemont, PA, 19010
  • Rehab Financial Group, LP is a Rehab & Hard Money Lender helping real estate investors purchase and rehab non-owner occupied 1-4 family investment properties. We provide funding for 100% of the purchase and 100% of the rehab costs. Our loans are for 12-months (interest only payments), allowing investors to rehab a property that otherwise would no
  • Best American Mortgage Company
  • 1024 Springfield Road Collingdale, Collingdale, PA, 19023
  • Best American Mortgage Company is a mortgage broker in PA with over a decade of VA loan experience. We work multiple lenders that have special programs to maximize the VA home loan benefit. We're dedicated to helping the best Americans get the best loan.broker in PA with over a decade of VA loan experience.
  • First Resource Bank
  • 800 N. Pottstown Pike, Exton, PA, 19341
  • First Resource Bank is a locally owned and operated Pennsylvania state-chartered bank, serving the banking needs of businesses, professionals and individuals in the Delaware Valley. The Bank offers a full range of deposit and credit services with a high level of personalized service.
  • Citadel Credit Union
  • 520 Eagleview Boulevard, Exton, PA, 19341
  • Citadel is a not-for-profit credit union built on the unshakeable promise to serve those who work every day to build a better future for us all. For over 80 years, we’ve delivered a breadth of financial services, expert guidance, and innovative tools to help strengthen and grow businesses, families, and our local communities.
  • J & S Mortgage Inc
  • 311 Exton Commons, Exton, PA, 19341
  • J & S Mortgage, Inc. has well over 30 years of business and financial experience. We strive to provide quality service and products and can offer a large variety of loan packages. We work with Residential, Commercial, Home Equity, Debt Consolidation, Hard to Place Loans, Credit Issues, as well as working with Private Lenders.
  • Advantage Financial Funding Corporation
  • 124 John Robert Thomas Drive, Exton, PA, 19341
  • HomeRun is offered to a limited number of homebuyers each month. The first step is to register. You receive priority on a first-to-register basis. If you already are shopping for a home, register immediately to qualify for HomeRun benefits. If you plan to begin shopping for a home at any time in the next 12 months.