For the year 2025, the USDA loan ceiling in Mount-Penn, located within Berks county, PA, is $285,000. By comparison, the FHA cap for a single-family dwelling is $356,362.
Utilize Lendersa® USDA loan calculator to weigh today's best USDA versus FHA rates and ascertain the required income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA loan details in parallel to choose the optimal program in
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| Loan Category | Ceiling | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conforming Conventional | $548,250 | 3% |
Lendersa® aims to quickly and efficiently secure the most advantageous USDA or FHA loan for you. Select one of the three entry points to connect with lenders and USDA loan schemes.
A USDA home loan, insured by the government Department of Agriculture—also known as the USDA rural development loan or USDA mortgage—is offered solely in rural areas. In contrast, FHA loans necessitate a minimum of 3.5% down, whereas the USDA mortgage demands no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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