USDA and FHA Pro and Con in New-Freedom, York County, PA

In 2025, the USDA loan limit for New-Freedom, in York County, PA, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Leverage the Lendersa® USDA loan calculator to explore today's top USDA versus FHA rates and identify the required income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, helping you decide which program in is the best fit for your financial situation.

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2025 Loan Limits & Down Payment Requirements in New-Freedom, York, PA

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

USDA & FHA Loan Options in New-Freedom, PA

The mission of Lendersa® is to secure the best USDA or FHA loan quickly and without hassle. Choose one of three starting points to connect with lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in PA

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is available only in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment at all.

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



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