USDA Loan Vs. FHA loan for Richmond, PA [ best of 2023]

In 2025, USDA loan limit in Richmond, county of Berks, PA is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Richmond, PA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Pennsylvania?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(304) 424-7256 318 miles Lender's profile and map Reviews Mountain Heritage Federal Credit Union 1822 Seventh Street, Parkersburg, WV, 26101 Mountain Heritage Federal Credit Union has been open since 1958. It's the 22nd largest credit union in West Virginia with assets totaling $48.94 Million and providing banking services to more than 8, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member gr
(304) 485-4523 318 miles Lender's profile and map Reviews West Virginia Central Federal Credit Union 1306 Murdoch Avenue, Parkersburg, WV, 26101 WV Central Credit Union is to get you settled in to your new home sooner. Buying a home can be stressful but we will walk you through a simple step by step process to ease any worry. We will help you determine the right loan and terms to find your needs, whether you're purchasing, refinancing, constructing, or remodeling.
(802) 757-2361 318 miles Lender's profile and map Reviews Wells River Savings Bank 34 Main Street, Wells River, VT, 05081 Wells River Savings Bank (WRSB) has been providing personal and business banking products and services to the Upper Connecticut River Valley of Vermont and New Hampshire for more than 119 years. We take great pride in our tradition of friendly, personal service and our strong commitment to the community.
(833) 294-4643 318 miles Lender's profile and map Reviews First Mutual Bank, FSB 631 Washington Boulevard, Belpre, OH, 45714 First Mutual Bank is focused on helping you, our customers, and creating vibrant communities in the Mid-Ohio Valley Region. Being depositor-owned also means we are accountable to our customers, not shareholders. Deposit dollars are reinvested in our communities, and collectively we strengthen and help the local economy thrive.
(740) 423-2388 318 miles Lender's profile and map Reviews Kraton Belpre Federal Credit Union 2419 State Route 618, Belpre, OH, 45714 KRATON Belpre Federal Credit Union has been open since 1970. The credit union has assets totaling $8.55 Million and provides banking services to more than 800 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
(330) 674-9015 318 miles Lender's profile and map Reviews The Commercial and Savings Bank 91 North Clay Street, Millersburg, OH, 44654 With The Commercial & Savings Bank (CSB), you gain more than convenient access to products and services that promote your financial health; you’re also invited into a network of relationships – among customers, employees, and shareholders – that contribute to the well-being and satisfaction of a community and its residents.
(330) 669-2117 318 miles Lender's profile and map Reviews Wayne County Community Federal Credit Union 311 Kaufman Drive, Smithville, OH, 44677 Wayne County Community Federal Credit Union was officially organized on June 7, 1966 as the Wayne County School Employees Federal Credit Union. Seven very foresighted school employees (Sam Yelic, Charles Deane, Wayne Kornhaus, Neal Retherford, Fred Kloha, Russell Knight and Kenneth Barton) met on that June date
(540) 344-4419 319 miles Lender's profile and map Reviews SalemVA Credit Union 112 West Main Street, Salem, VA, 24153 Salem VA Credit Union is a member-owned cooperative that operates on a not-for-profit basis. As a federal credit union, we are chartered, supervised and insured by the federal government through the National Credit Union Administration (NCUA). The NCUA insures member share accounts up to $250, 000 per member.
(540) 387-5267 319 miles Lender's profile and map Reviews Kemba Roanoke Federal Credit Union 2812 West Main Street, Salem, VA, 24153 KEMBA has been providing families financial security for well over seventy-five years. Since we're a non-profit financial institution, we return our profits back to our members in the form of better rates, lower fees, and free or low-cost services. We are run by a volunteer board of directors elected by members like you.
(540) 342-3429 319 miles Lender's profile and map Reviews Blue Eagle Credit Union 2121 Electric Road, Roanoke, VA, 24018 Blue Eagle® Credit Union has served the greater Roanoke and Lynchburg areas for nearly 70 years as a member-owned, local not-for-profit financial cooperative with a passion for enriching lives. Credit Union has served the greater Roanoke and Lynchburg areas for nearly 70 years as a member-owned, local not-for-profit financial coop
(740) 622-0444 319 miles Lender's profile and map Reviews Home Loan Savings Bank 413 Main Street, Coshocton, OH, 43812 The Home Loan Savings Bank has been serving the financial needs of the Coshocton County since 1882. Our relationship to the community has remained as strong as it was from our beginning, and it continues to grow today. All of the decisions regarding loans and bank operations are made locally, and we are able to tailor our services to truly meet the