USDA Vs. FHA Pro and Con comparison in Spring, Berks County, PA

For 2025, the USDA loan limit in Spring, located in Berks county, PA, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA vs FHA rates. It helps you identify the income, credit score, reserves, and documents required for eligibility. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA products side by side, facilitating your decision on the best program in for your financial requirements.

Explore loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Spring, Berks, 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 Spring, PA

Lendersa® aims to efficiently provide the best USDA or FHA loans. Choose one of three pathways to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in PA

The USDA home loan, guaranteed by the government's Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is exclusive to rural areas. Unlike FHA loans demanding a 3.5% down payment, USDA loans require none.

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



  • Oklahoma AgCredit
  • 3033 Progressive Drive, Edmond, OK, 73034
  • Oklahoma AgCredit is part of the Farm Credit System that supports rural communities and agriculture with reliable and consistent credit today and tomorrow. We provide loans, leases and financial services to farmers, ranchers and rural businesses and homeowners in 60 counties in eastern and central Oklahoma.
  • Spurr Mortgage Corporation
  • 233 East 10th Street Plaza, Suite 3, Edmond, OK, 73034
  • Spurr Mortgage is a locally and family owned mortgage company in Edmond, Ok helping homeowners since 1990 by Harold Spurr. Spurr Mortgage has stayed true to its mission to provide outstanding home mortgage services in Edmond and throughout Oklahoma. Spurr Mortgage has the distinct honor of being the only remaining mortgage broker in the state.
  • Manufactured Home.Loan
  • 101 E Hurd St F, Edmond, OK, 73034
  • "MHL and eLEND combine great rates and a wide range of Manufactured and Modular Home loan options, with over 20 years of industry expertise, and excellent customer service. We’re always just a call, message Being a customer-focused company means we take great pride in our customer service."
  • Fannin Bank
  • 230 East 3rd Street, Bonham, TX, 75418
  • Fannin Bank was organized in November 1921 as the Guaranty State Bank in Windom, Texas. By June 1922 the bank had $158,046 in assets. The name was changed to Fannin Bank in 1976, and in 1987 a branch office was opened in the town of Bonham. The Honey Grove branch opened in 2008 with the headquarters moving to Bonham the same year.
  • Fannin Federal Credit Union
  • 1737 N State Highway 121, Bonham, TX, 75418
  • Fannin Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
  • Fannin County Teachers Federal Credit Union
  • 621 N Center Street, Bonham, TX, 75418
  • Fannin County Teachers FCU (FCTFCU) has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, FCTFCU will continue a sound yet progressive asset management strategy and provide new and improved financial services.
  • First United Bank
  • 503 Briggs Avenue South, Park River, ND, 58270
  • First United Bank, the seeds of our business were planted more than 125 years ago in the rich, black soil of North Dakota farms. It doesn’t matter how you do business with us; if you are involved with First United Bank, you are involved with agriculture. That’s because our bank is still true to its roots.
  • The Bank of Kremlin
  • 102 6th Street, Kremlin, OK, 73753
  • The Bank of Kremlin was chartered May 21, 1900 in Kremlin, Oklahoma Territory, seven years before statehood. The bank was founded to provide deposit, bank draft and lending services to the town and local agricultural community. We believe our success is owed to our focus and dedication to customer service.
  • The Security National Bank of Enid
  • 201 W Broadway Ave, Enid, OK, 73701
  • Security National Bank of Enid is a commercial bank and trust company (accepting deposits) chartered under the National Bank Act. and Security National Bank offers a wide range of loan types with terms and conditions structured to meet individual business’s needs. These types include Term Financing, Construction Financing.
  • Atlas Credit Co, Inc.
  • 2210 W Grande Blvd, Tyler, TX, 75703
  • Our unique loan process allows you to e-sign your loan documents, receive your money directly into your bank account and offers you the option of paying over the phone with a debit card. No hassles, no gimmicks, no hidden fees. We offer plain and simple installment loans. and also Atlas Credit, we understand that life is busy and you don't always
  • United Credit Union
  • 4901 Old Jacksonville Highway, Tyler, TX, 75703
  • United Credit Union opens a financial world to experience banking as it should be. Credit unions will generally have lower rates on loans and higher rates on savings and investments. At United we believe in offering our members a choice. Choose from a variety of online services and in person services. It's about YOU and what YOU need.