USDA Vs. FHA your options comparison in Philadelphia, Philadelphia County, PA
During 2025, the USDA loan limit for a single-family home in the city of Philadelphia, within Philadelphia county, located in PA, stands at $345,000, compared to the FHA loan limit of $529,000.
Utilize the Lendersa® USDA loan calculator to assess and compare today’s optimal USDA versus FHA rates. Determine qualifications based on income, credit rating, reserves, and necessary documentation. Employ our cutting-edge mortgage calculator to juxtapose USDA, FHA, Conforming, and VA loan options, allowing you to select the most suitable program for your unique financial circumstances in . The side-by-side comparisons are designed for easy decision-making.
Loan limits and downpayment requirements for 2025 in Philadelphia, Philadelphia county, PA
Loan Type
Loan Limit
Down payment
USDA
$345,000
0%
FHA
$529,000
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA loan choices in Philadelphia, PA
The aim of Lendersa® is to secure you the most advantageous USDA or FHA loan promptly and effortlessly. Initiate with one of three pathways to connect with lenders and explore USDA loan programs fit for you.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, is targeted exclusively for rural areas. It is unlike FHA loans that necessitate a minimum down payment of 3.5%, as the USDA mortgage doesn't require any down payment at all.
Home Advantage Mortage Corporation is a licensed mortgage broker, located in Littleton, Massachusetts. Established in 1993, we are licensed in Massachusetts, New Hampshire, and Maine. We offer a wide range of mortgage products at the most competitive rates available. Our products are not limited to “A” type borrowers.
With $1.7 billion in assets and over 90, 000 members, we are one of the most trusted credit unions headquartered in Massachusetts. Our mobile services, education programs, and innovative products are designed to help our members become financially self-sufficient and successful, whether they're well-established or just starting out.
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Family First Federal Credit Union is a full-service, local financial institution with over 15, 000 members that is guided by the principles of Sustainable Excellence. These principles apply to the care and service quality we provide to our members, our dedication to our staff and our responsibility to provide sound products and banking solutions.
First United National Bank was founded in August 1909 and is based in Fryburg, Pennsylvania. The bank operates as a subsidiary of Fryburg Banking Company, Inc.. According to the Federal Deposit Insurance Corporation records and based on the institution's charter type, First United National Bank is classified as a commercial bank, national charter
We're locally owned and operated. So we support our community, including the small businesses here in upstate New York. We offer many different commercial loans, checking and savings accounts to make sure your business has what it needs to succeed. Our commitment is best expressed in the different products and services we offer our customers.
Vantage Point Mortgage have great rates and low fees, but we offer you so much more. One simple question guides us – “How will this particular home loan fit into your overall short and long-term financial and wealth building plans?” In the end, we’re here to serve you and your dreams.
Cornerstone Home Mortgage, LLC offers home mortgages, including conventional, FHA and VA loans in the Chesapeake, VA area. Cornerstone Home Mortgage, LLC will help you navigate the process of obtaining a home loan. We offer our clients the best rates with the lowest closing costs in the area.
