USDA VS FHA in Phoenixville, Chester County, PA

In 2025, the USDA loan limit in Phoenixville, Chester county, PA, is $381,800, whereas the FHA limit for a single-family home is $529,000.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, and evaluate the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you determine the best program for your financial circumstances in .

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2025 Loan Limits and Down Payment Needs in Phoenixville, Chester, PA

Loan Type Loan Limit Down Payment
USDA $381,800 0%
FHA $529,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Phoenixville, PA

Lendersa® aims to quickly secure the best possible USDA or FHA loans for you, without hassle. Choose one of three starting paths to match with lenders and access USDA loan programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in PA

A USDA home loan, guaranteed by the Department of Agriculture and often called a USDA rural development loan, is exclusive to rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans need no down payment, making them more accessible to eligible applicants.

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



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