USDA VS FHA in North-Middleton, Cumberland County, PA

For 2025, the USDA loan cap in North-Middleton, based in Cumberland County, PA, is $285,000, while the FHA limit for single-family homes is $356,362.

Take advantage of the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. Discover the required income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding in selecting the best program for your financial status in .

Review loan proposals from a total of 100 lenders

2025 Loan Limits and Down Payment Requirements in North-Middleton, Cumberland County, PA

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

Discover USDA and FHA Loan Options in North-Middleton, PA

Lendersa® aims to swiftly secure the ideal USDA or FHA loan for you, with minimal hassle. Choose one of three paths to align with suitable lenders and USDA loan programs.

Results from Lendersa USDA loan requests and matches

Understanding the USDA Loan in PA

A USDA home loan, backed by the Department of Agriculture and also termed as USDA rural development loan or mortgage, is available exclusively in rural areas. It does not require a down payment, differentiating it from FHA loans, which mandate at least 3.5% down payment.

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



  • Setabay Loan Trust Deed Investing - Private Lender
  • 22601 N 19th Ave, Suite 112, Phoenix, AZ, 85027
  • Setabay LLC, Brokers, Agents and employees are not: attorneys, real estate appraisers, financial planners, securities dealers or accountants and we do not give advice as to these professions. If the loan is denied for any reasons, Setabay LLC is not responsible for refunding any of the costs/fees or services pay directly by you.
  • Oasis Financial
  • 1212 E. Baseline Rd, Suite 101, Tempe, AZ, 85283
  • Oasis Financial, Principals Paul Sargent & Kevin Richards provide expertise in direct lending & structured finance for various types of real estate transactions. We are dedicated to providing services with speed and flexibility for all our clients. Oasis Financial provides years of experience of both private & institutionalized real estate lending.
  • Nvestor Funding
  • 40 W Baseline Road, Suite 206, Tempe, AZ, 85283
  • Nvestor Funding was founded in 2019 to meet the demand for affordable debt capital by a broad range of residential real estate investors. Our regional expertise and expansive experience enable us to provide attractively priced loans and bring investment financing from “Wall Street” to “Main Street”.
  • 1st Rate Home Mortgage, Inc.
  • 401 W Baseline Rd, Suite 102, Tempe, AZ, 85283
  • 1st Rate Home Mortgage, Inc (1RHM) is a full service mortgage company. We have the ability to both broker and act as the lender on transactions. This company was built by originators at a time when mortgage was a 4-letter word - 2007. We have more than survived the ups and downs that this industry has seen.
  • First Community Mortgage
  • 1980 E Baseline Rd, Suite 103, Tempe, AZ, 85283
  • First Community Mortgage (FCM) opened its doors in 1988 as a division of First National Bank Texas. Since then, we have been working in tandem with our clients to turn their dream of buying a home into a reality. Formed with the mission to guide our customers, we aim at providing a mortgage loan that best fits their financial needs.
  • Grand Funding
  • 3104 e camelback rd PMB 1032, Phoenix, AZ, 85016
  • We are Grand Funding, a collection of straightforward and honest financial partners. A direct lender, focusing on investments, assets, and the overall client experience. We offer Construction, Fix and Flip, Commercial and Hard Money. We use our funds to streamline and quickly close your loan.
  • West Valley National Bank
  • 2111 E Highland Ave, Suite B-150, Phoenix, AZ, 85016
  • West Valley National Bank is one of a few locally owned & operated community bank. Founded by local business leaders, the Bank fills a much needed niche. For too long, Maricopa County has been served only by large institutions led by out of state ownership and management. We want to help local businesses control their own destiny.
  • Arizona Bank & Trust
  • 2036 E Camelback Rd, Phoenix, AZ, 85016
  • At Arizona Bank & Trust, decision making is kept to a local level and Bankers are unwaveringly committed to deeply understanding every intricacy of every customer’s financial relationship. Because when that happens, a Bank, even one with over $19 billion in assets and the backing of a company with national outreach.
  • Mortgage Experts, Inc.
  • 4742 N. 24th St, Suite 300, Phoenix, AZ, 85016
  • We are pleased to offer a wide variety of home financing programs to meet the needs of most home buyers and homeowners in the State of Arizona. Whether you are looking to purchase your first home, refinance an rental property, or buy a vacation home, we’ve got you covered. We offer some of the most competitive pricing in the marketplace
  • Prostaff Mortgage Corp.
  • 1644 East Bethany Home Road, Suite 101, Phoenix, AZ, 85016
  • Prostaff Mortgage Corp. we have no hidden costs, no junk fees, and no surprises. We will take all of the confusion out of what is included in closing costs.Our low cost and low rate guarantee means you should not be able to get a better deal anywhere. and also We will always give you the straight scoop, return your calls, eliminate surprises.
  • First Liberty Home Mortgage, LLC
  • 2415 East Camelback Road, Suite 700, Phoenix, AZ, 85016
  • "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.
  • WESTERN ALLIANCE MORTGAGE, LLC
  • 1645 E. Bethany Home Rd., Phoenix, AZ, 85016
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.