USDA Vs. FHA Pro and Con comparison in Palmer-Heights, Northampton County, PA

In 2025, the USDA loan limit for Palmer-Heights in Northampton, PA, is $298,080. Conversely, the FHA limit for a single-family residence is $372,600.

Leverage the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates. Determine necessary income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the program in that best suits your financial circumstance.

Explore loan offers from 100 lenders

Loan Limits and Down Payment Guidelines for 2025 in Palmer-Heights, Northampton, PA

Loan Type Loan Limit Down Payment
USDA $298,080 0%
FHA $372,600 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in Palmer-Heights, PA

The aim of Lendersa® is to deliver the best possible USDA or FHA loan efficiently, without hassle. Choose from three starting methods to connect with the right lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in PA?

A USDA home loan, ensured by the Department of Agriculture, commonly referred to as a USDA rural development loan, is exclusive to rural neighborhoods. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages do not require a down payment.

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



  • BECU
  • 12770 Gateway Drive S, Tukwila, WA, 98168
  • As a member-owned, not-for-profit financial cooperative, BECU is guided by the credit union philosophy of “people helping people.” In fact, putting people over profit guides our everyday business decisions. Unlike many financial institutions, we aren’t owned privately. As a cooperative, we are owned by our members.
  • Omni-Fund Inc
  • 26395 Jefferson Avenue, Suite E, Murrieta, CA, 92562
  • Omni fund has been in operation for over 20 years. They choose to work with well versed and experienced mortgage loan officers across the country. This allows the client to experience low fees, quick turn times to close, and a superior loan officer experience. As your broker Bob services help you with the necessary financing.
  • United Loan Center
  • 41663 Date Street, Suite 201, Murrieta, CA, 92562
  • Mark D Woelky's vision was to create lasting relationships with each and everyone of our clients so that we may continue providing excellent service for many years to come. Unlike many of the corporate mortgage companies that are out there, all your information will be kept secure and private.
  • Lending Done Right
  • 41176 Guava Street, Suite A, Murrieta, CA, 92562
  • Lending Done Right was established over a decade ago as a full service mortgage brokerage, in California. Since then, we have provided superior service to clients all over the country. Lending Done Right is proud to now of our expansion to Southern Missouri. We look forward to providing our new Missouri family with the un-equaled service.
  • Vault Financial
  • 24910 Las Brisas, Suite 119, Murrieta, CA, 92562
  • VAULT FINANCIAL is a full service family owned mortgage company that covers all of Southern California. We feel the larger companies can no longer provide proper pricing or customized service so, we pick up our phones, answer our emails and make sure we are available without the run around.
  • Mountain View Financial, Inc.
  • 24947 Truman Place, Murrieta, CA, 92562
  • Rick is the President/Broker of Mountain View Financial, Inc. Responsible for all aspects of the company from its inception including staff development FHA, HUD and VA approvals, Real Estate Division, and Escrow Division. Implementing New Real Estate Divisions’ “Buy from me, List for Free” and Alkire & Company. Organization.
  • Miller Financial, Inc.
  • 41185 Golden Gate Cir, Suite 106, Murrieta, CA, 92562
  • Miller Financial, Inc. is a family owned business started in 1991 by President Larry Miller who currently continues to oversee all aspects of the organization with help from VP and son Joshua Miller. Larry has grown the business from an initial start-up to a full-service brokerage offering a wide variety of loan solutions to entire community of SC.
  • THERESA MORRIS REALTY GROUP
  • 26499 Bladen Avenue, Murrieta, CA, 92562
  • The home selling and buying process can be both intimidating and overwhelming. My goal is to make this a pleasurable and exciting experience. As your Realtor, I would love to help you each step of the way and protect your interests at all times. I look forward to guiding you and turning your moving and home ownership dreams into a reality!