During 2026, the USDA loan cap in Southampton, situated within the county of Cumberland, PA, is $336,500. Meanwhile, the FHA maximum for a single-family dwelling is $472,030.
To contrast the latest USDA and FHA rates, use the Lendersa® USDA loan calculator, which aids in evaluating the income, credit score, reserves, and documentation essential for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, helping you decide which program suits your financial needs best in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is dedicated to facilitating you in securing the best possible USDA or FHA loan swiftly and without any hassle. You can choose from three different starting points designed to connect you with matching lenders and USDA loan offerings.
The USDA home loan is backed by the government's Department of Agriculture, also called a USDA rural development loan or USDA mortgage, and is intended solely for rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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