USDA VS FHA in South-Middleton, Cumberland County, PA

As of 2026, the USDA loan limit in South-Middleton, within Cumberland County, PA, is $285,000, whereas the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, factoring in income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator offers side-by-side views of USDA, FHA, Conforming, and VA loans, facilitating your decision on which program in is best suited to your financial situation.

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2026 Loan Limits & Down Payment Requirements in South-Middleton, Cumberland, PA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA & FHA Loan Options in South-Middleton, PA

The aim of Lendersa® is to efficiently provide the best USDA or FHA loan without any difficulty. Initiate the process with one of three options ensuring a match with lenders and fitting USDA loan programs.

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Understanding USDA Loans in PA

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a down payment of at least 3.5%, USDA loans require none at all.

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



  • PROVIDENCE HOME LOANS
  • 7120 IH-40 WEST, Suite 105, Amarillo, TX, 79106
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs

  • The People's Federal Credit Union
  • 7200 Hillside Road, Amarillo, TX, 79109
  • The People's Federal Credit Union was federally chartered on January 12, 1953 and currently has more than 18, 000 members. With five branches located in Amarillo, Childress and Canyon.

    The mission of The People's Federal Credit Union is to be the Members' primary financial institution.

  • Amarillo Postal Employees Credit Union
  • 2400 Hobbs Road, Amarillo, TX, 79109
  • Amarillo Postal Employees Credit Union is a full service, non-profit cooperative financial institution that began in 1931. It was formed for the purpose of encouraging savings, by offering a good rate of return, using collective moneys to make loans at competitive, low rates and provide other useful financial services.

  • Access Community Credit Union
  • 6401 South Bell Street, Amarillo, TX, 79109
  • Access Community Credit Union has been open since 1953. The credit union has assets totaling $156.27 Million and provides banking services to more than 12, 000 members as of March 2022.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.

  • FirstBank Southwest
  • 2401 S. Georgia, Amarillo, TX, 79109
  • FirstBank Southwest is a community bank with nine banking center locations in Amarillo, Booker, Hereford, Pampa, and Perryton, Texas. In addition to our convenient branches, we also offer convenient digital banking for both consumer and commercial needs.

    In 2020 and 2021, The American Banker awarded FirstBank Southwest as a Best Bank

  • Herring Bank
  • 2201 Civic Circle, Amarillo, TX, 79109
  • Our goal is simple. Deliver the best possible Banking experience so our customers & clients can better manage their finances. We provide a full range of quality financial products that include commercial, consumer, investment & trust services in TX, Ok & CO. Our board of directors, local leadership are committed to exceeding customer expectations.

  • Athlan Mortgage
  • 3101 Hobbs Rd, Suite 204, Amarillo, TX, 79109
  • Open Mortgage is not affiliated with any governmental agency. The material shown on this site is for informational purposes only and is not an offer to lend or extend credit. All applications are subject to underwriting approval and guidelines. Not all applicants will qualify for loan products described.

  • Alamo Premier Mortgage
  • 19851 State Hwy 46 W, Suite 201, Spring Branch, TX, 78070
  • "At Alamo Premier Mortgage We underwrite, process and close our own loans.

    We do VA, FHA, conventional, jumbo and investment loans.

    We NEVER change our fees, you will know what you are paying for a loan, the rate and terms before you sign your paperwork

    We can Pre Approve your Land, Construction and Final Loan in one stop."

  • Construction Financial Solutions
  • 18568 Forty Six Pkwy, Suite 3002, Spring Branch, TX, 78070
  • CFS over 25 years Construction Financial Solutions has offered homeowners construction loans throughout Texas. We provide construction loans to build custom homes, investment properties, vacation homes, as well as renovation of existing homes. ​The construction loan is refinanced into a long term mortgage upon construction completion.

  • Pioneer Bank & Trust
  • 125 E. Colorado Blvd, Suite 1A, Spearfish, SD, 57783
  • Pioneer Bank & Trust offers a varied and complete assortment of state-of-the-art banking products and services. Although we believe our products are highly competitive in today’s high-tech banking world, it is our hometown, personal service that is responsible for our significant growth.

  • Sweetwater Regional Federal Credit Union
  • 1900 Preston Road, Sweetwater, TX, 79556
  • Sweetwater Regional Federal Credit Union is a member-owned financial institution committed to the international credit union philosophy of “People Helping People”. That means we aim to help you build your financial stability. And we do that by returning profits to members in the form of lower loan rates, higher savings rates.

  • Marion State Bank Texas
  • 301 West San Antonio Street, Marion, TX, 78124
  • Marion State Bank was granted a charter from the state on October 26, 1906, making it the 134th state chartered bank in TX. Marion State Bank is the seventh-oldest bank in TX that is still operating under its charter. When the bank was founded, it was housed in the rear portion of the first floor of the H. D. Dreyer Building, known as Waldorf Club.