USDA Vs. FHA Pro and Con comparison in Mount-Carmel, Northumberland County, PA

In 2025, the USDA loan limit in Mount-Carmel within Northumberland county, PA, is $285,000, whereas the FHA limit for single-family homes is $356,362.

Use the Lendersa® USDA loan calculator to compare today's USDA vs. FHA best rates. Determine the needed income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you pick the best program for your financial situation in .

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2025 Loan Limits & Down Payments in Mount-Carmel, Northumberland, PA

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

USDA and FHA Loan Paths in Mount-Carmel, PA

Lendersa® aims to deliver the best USDA or FHA loans quickly. Pick one of three paths to connect with matching lenders and USDA programs.

Lendersa USDA loan request and results

Understanding USDA Loans in PA

The USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans need none.

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



  • Sioux Falls Federal Credit Union
  • 700 E 14th Street, Sioux Falls, SD, 57104
  • Sioux Falls Federal Credit Union provides the full range of consumer and business financial services. We are a member-owned financial cooperative with local decision-making for all business credit and deposit needs. A full-service locally owned financial institution providing financial services in Minnehaha, Lincoln, Turner
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  • CerescoBank was established in 1911 as the Farmers and Merchants Bank of Ceresco and was situated on the corner of South 2nd Street and Elm. The bank has served the Ceresco Community since that time. The present bank building at 130 West Elm Street was completed in 1983, allowing the bank to have a drive-thru banking lane.
  • Good Life Lending
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  • Nebraska's fix and flip lender. We are a small company located in Lincoln, NE, since we are small you will get the service you deserve. We offer 100% Rehab funding, Interest only payments, Funding in 10 days or less and Free proof of funds. Experience Opportunity: The Good Life is Waiting For You, Get the Funding You Need to Experience It.
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  • First Lincoln Federal Credit Union Was Originally Chartered in 1956 It was an industrial credit union consisting of members of local #156 Amalgamated Meat Cutters & Butchers Workman of North America in Lincoln, employees of the Credit Union, and immediate family members. Willard Mook was elected treasurer and took care of operations from his home
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  • 117 East Third Street, Ponca, NE, 68770
  • Bank of Dixon County We have one goal and that is to help you be financially successful. Our approach to business and community banking is simple. We can not be successful if our customers are not successful. Yes, that is different than many financial institutions. But we have been here since 1881, and we plan to serve.
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  • Miami Beach Mortgage Lenders LLC
  • 7314 Collins Avenue, Miami Beach, FL, 33141
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  • Southeast Bankers Mortgage Corp
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