USDA Vs. FHA Pro and Con comparison in Mount-Joy, Lancaster County, PA
In 2025, the USDA loan limit in Mount-Joy, in the county of Lancaster, PA, is $285,000, whereas the FHA cap for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA versus FHA rates and determine the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, guiding you in choosing the best fit for your financial needs in Alabama.
2025 Loan Limits and Down Payment Criteria in Mount-Joy, Lancaster, PA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Paths in Mount-Joy, PA
Lendersa® aims to connect you with the best USDA or FHA loan quickly and without hassle. Start with one of three methods to find matching lenders and discover USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA Rural Development Loan or USDA mortgage, is available exclusively in rural locales. Unlike FHA loans requiring a down payment of at least 3.5%, USDA loans require no down payment.
Multi-Schools Federal Credit Union is dedicated to being faithful to its members. Its mission is to provide financial support and guidance following the "People-not-Profit" philosophy. At the Credit Union we endlessly strive to offer our members a wide range of quality products & services, mixed with the individual attention that everyone deserves.
"We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.
Lend Some Money provides fast hard-money loans and commercial lending on real estate property with competitive credit rates and easy terms for purchase and refinance. With over 50 years of combined experience in underwriting, originating and acquiring secured loans, Lend Some Money possesses extensive expertise necessary to competently assist you w
SCA Federal Credit Union, formerly known as Shenango China Area FCU, was established in 1935. We currently have 2450 members. We have one office located at 2656 Ellwood Road, Suite 1, New Castle, PA 16101. SCA Federal Credit Union has a dedicated Board of Directors consisting of volunteers elected by the members.
New Castle Bellco Federal Credit Union is a federally charted, not-for-profit, full service financial institution that is member owned and controlled through a board of directors. The voluntary board is elected by the membership to establish credit union policies and is responsible for the safe and sound operation of the credit union.
GNC Community FCU is a strong financial institution with assets of over $ 70, 000, 000 and in many aspects has exceeded the financial norms of and to become a very strong organization. We rank high within our peers in many areas. GNC is a member of the Shenango Valley Chapter of Credit Unions which incorporates over 10 credit unions.
First Choice FCU was originally chartered in 1952. At the time we were known as the B&O New Castle Employees Federal Credit Union and were the primary credit union of the Baltimore – Ohio Railroad, the current CSX Corporation. We have also always offered full family membership. Any family member of an existing member is eligible to join.
It has been a pleasure to serve our members for over 50 years! Since 1951, we have grown not only in membership, but also in services, enabling usto be your primary financial institution. Family 1st is a financial cooperative owned and operated by its members, that will assist the members to meet their financial needs.
Pioneer Mortgage was started in 1999 by Michael Greenberg and Todd Brandi. Michael Geenberg is a graduate of Quinnipiac College. Todd Brandi graduated from University of CT with a degree in Finance and Real Estate Finance and Urban Economic Studies.
MORTGAGE BROKER ONLY. NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.
Newtown Savings Bank is an equal opportunity and affirmative action employer M/F/D/V. All qualified
applicants will receive consideration for employment without regard to race, color, religion, sex, national
origin, age, disability, veteran status or any other legally protected status.
