USDA Vs. FHA your options comparison in Shippensburg, Cumberland County, PA

In 2025, the USDA loan limit for Shippensburg, located in Cumberland, PA, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's top rates for USDA versus FHA loans. It helps determine the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator presents side-by-side comparisons of USDA, FHA, Conforming, and VA options, guiding you in deciding the best program for your financial needs in .

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2025 Loan Limits and Down Payment Specifications in Shippensburg, Cumberland, PA

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

Exploring USDA and FHA Loan Options in Shippensburg, PA

The goal of Lendersa® is to swiftly provide you with the best USDA or FHA loan, devoid of hassle. Choose one of three starting pathways to match with lenders and discover USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in PA

The USDA home loan, guaranteed by the Department of Agriculture and known as a USDA rural development loan, is only available in rural areas. Unlike FHA loans that demand a 3.5% minimum down payment, USDA loans require no down payment, offering greater accessibility for suitable applicants.

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



  • Clear Oak Mortgage
  • 5940 Barton Avenue, Los Angeles, CA, 90038
  • COM mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. Clear Oak Mortgage is here for you.
  • Security Bancorp
  • 23504 Lyons Ave Suite 103B, Santa Clarita, CA, 91321
  • Security Bancorp is a family owned company that has been serving California residents for more than 25 years. Security Bancorp is licensed by the California Department of Real Estate and is equipped with knowledgeable mortgage experts that provide excellent and quality service to our consumers.
  • MK Lending Corporation
  • 11023 McCormick St, Suite 100, North Hollywood, CA, 91601
  • MK Lending Corp. was found in 2007 as a mortgage banker servicing various communities in Southern California. We are being recognized by various organizations as one of the fastest growing wholesale lender in California. Our mission is to provide the best customer service to our brokers and partners by understanding their needs
  • Private Lending Co Inc.
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  • Camino Real Mortgage Bankers
  • 707 North Maclay Ave, San Fernando, CA, 91340
  • Camino Real Mortgage Bankers is a mortgage bank with operations in one state. Camino Real Mortgage Bankers offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA and FHA 203(k) mortgages and We offer an experienced team of professionals paired with the best mortgage tools available on the Internet.
  • 1st Choice Lending & Investments
  • 1027 North Maclay Street, San Fernando, CA, 91340
  • 1st Choice Lending & Investments mission is to have clients for life and establish successful relationships with our customers. We do this by providing a responsive, knowledgeable approach toward mortgage lending through the integration of people, technology, and business practices.
  • Bausley Home Loans & Realty
  • 13119 Daventry Street, Pacoima, CA, 91331
  • Bausley Home Loans & Realty , our mission is simple. During the mortgage application process, we're your advocate. Whatever financing goals you have, it's our job to fulfill them. This means getting the money you need. There are a variety of different loan types available on the market today, as well as many different lenders.
  • Lendingbee, Inc
  • 4605 Lankershim Blvd, Suite 419, North Hollywood, CA, 91602
  • Lending Bee, Inc. offers hard money loans on single-family residences, multi-family residences, commercial, industrial, and special purpose properties. We can do major rehab hard money loans, fix n’ flip loans, and ground up construction loans as well. We finance acquisition, development, refinance and Cash Out transactions.
  • Lending Bee
  • 4605 Lankershim Blvd, Suite 419, North Hollywood, CA, 91602
  • "Lending Bee was established over a decade ago, and since then, has built a vast foundation of knowledge and experience. Our trained professionals are available to assist and guide you through the entire course of lending and financing. We understand that every hard money loan borrower is different and no situation is the same."