USDA and FHA Pro and Con in Rapho, Lancaster County, PA

In 2025, the USDA loan limit for Rapho, part of Lancaster county, PA, is $336,500. In comparison, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's best USDA against FHA rates. Determine the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, facilitating your decision on the best program for your financial situation in Alabama.

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2025 Loan Limits and Down Payment Requirements in Rapho, Lancaster County, PA

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Rapho, PA

Lendersa® is committed to swiftly securing the best USDA or FHA loan for you, without any hassle. Choose one of the three starting steps to match you with suitable lenders and USDA loan programs.

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Understanding USDA Loans in PA

A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans require no down payment whatsoever.

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



  • Scion Lending
  • 325 Chestnut St, Suite 800, Philadelphia, PA, 19106
  • Our mission is to help our customers build wealth through real estate thus our tagline, "The Wealth Builder through Real Estates. Our only purpose is to deliver successful results. You do not need to be afraid of taking the first steps towards homeownership because we will guide you.
  • Middletown Valley Bank
  • 24 West Main Street, Middletown, MD, 21769
  • Middletown Valley Bank has been a cornerstone for our customers’ financial planning, residents and businesses alike. Though many advances of the 21st century have made the financial world more competitive, Middletown Valley Bank continues to provide the flexibility and responsiveness only a true community bank can offer.
  • Mlend
  • 8803 Baltimore National Pike, Middletown, MD, 21769
  • "Mlend has built a strong reputation as an outstanding mortgage firm offering ""Home Loans Made Fast & Easy""​ to homebuyers throughout the mid-atlantic region. We're a full service mortgage lender with dedicated mortgage consultants and an experienced in house support team offering expertise in every area of mortgage financing.
  • A&P Mortgage Processing,LLC
  • 6211 Kaybro Street, Laurel, MD 20707, USA., Laurel, MD, 20707
  • Have you ever considered outsourcing your mortgage loan processing? Back office mortgage processing services provider A&P Mortgage Processing, LLC - Start the loan process A&P Mortgage Processing, LLC: - Processes the loan - Submits it to Underwriting - Clears all conditions - Schedules the closure - Follows up on the loan once it's closed
  • WSSC Federal Credit Union
  • 14501 Sweitzer Lane, Laurel, MD, 20707
  • WSSC Federal Credit Union (WSSC FCU) was chartered in April 1964 with an initial asset base of $2, 000. Since then, the Credit Union has grown to over $30 million in assets with over 4, 000 members. We serve WSSC Water employees, retirees, contractors, and their families; members and employees of Reid Temple AME and Kingdom Fellowship AME Churches.
  • Tower Federal Credit Union
  • 7901 Sandy Spring Road, Laurel, MD, 20707
  • Tower Federal Credit Union was ranked #1 on Forbes Magazine’s Best-in-State Credit Unions for 2021, and was one of only five Maryland credit unions to make the Forbes Best-in-State list in 2020. Tower Federal Credit Union was formed in 1953 when its seven original members pooled together their money
  • Diamond Financial Mortgage
  • 8645 Cherry Lane, Laurel, MD, 20707
  • Diamond Financial Mortgage Corporation has helped many families buy a home with the loan that is right for them. We pride ourselves on our technical expertise and are committed to exceeding our clients' expectations. We work together with our clients to understand their needs, wants, and expectations and offer a flexible approach
  • American Mortgage and Investment Services Inc
  • 3915 National Drive, Suite 100, Burtonsville, MD, 20866
  • American Mortgage and Investment Services, Inc. (AMAISI) has generated hundreds of millions of dollars in financing for its clients. Our team of experienced financing Originators will work hard to provide you with the best financing available for your residential or commercial needs.
  • Gateway Mortgage Solutions
  • 15320 Spencerville Ct, Suite 201, Burtonsville, MD, 20866
  • We have assembled an experienced and talented team, which quite frankly, gives us an almost unfair advantage over other mortgage companies. Our team continually works to stay fresh in the industry-investing the necessary time to break down each minute step of the mortgage financing process, attending educational events and seminars.