For the year 2025, the USDA loan limit in Point, located in the county of Northumberland, PA, stands at $336,500. Meanwhile, the FHA loan limit reaches $472,030 for those purchasing a single-family dwelling.
By utilizing the Lendersa® USDA loan calculator, you can make effective comparisons of today's USDA versus FHA top rates. Additionally, it aids in assessing the income, credit scores, reserve requirements, and necessary documentation to meet qualification criteria. Our comprehensive mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side-by-side, facilitating informed decisions about the most suitable option for your financial situation in
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| Loan Type | Loan Limit | Down Payment Required |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The primary objective of Lendersa® is to assist you in swiftly securing the best USDA or FHA loan without complications. You have three starting options at your disposal to connect with suitable lenders and USDA loan programs.
USDA home loans, which are government-backed by the Department of Agriculture, are also called USDA rural development loans or USDA mortgages. These loans are exclusively available in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA mortgages do not necessitate any upfront payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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