USDA and FHA Pro and Con in Spring-Garden, York County, PA

For 2025, the USDA loan cap for Spring-Garden, in the county of York, PA, is $285,000. Meanwhile, the FHA loan limit for a single-family home is established at $356,362.

Utilize the Lendersa® USDA loan calculator to compare the current USDA versus FHA rates, identifying the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator situates USDA, FHA, Conforming, and VA loans side by side, helping you determine which option best suits your financial circumstances in Alabama.

Investigate loan offers from a collection of 100 lenders

2025 Loan Limits and Down Payment Requirements for Spring-Garden, York County, PA

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

Exploring USDA and FHA Loan Options in Spring-Garden, PA

Lendersa® is dedicated to achieving the best possible USDA or FHA loan for you, quickly and with minimal hassle. Choose from three starting steps to find matching lenders and USDA loan programs tailored to your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in PA

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available in designated rural areas only. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA loans do not require any down payment.

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



  • Cal Estate Funding
  • 11110 Los Alamitos Boulevard, Suite 201, Los Alamitos, CA, 90720
  • Cal-Estate Funder of the Ruth L Pineda mortgage industry for over 20 years. I started Cal-Estate Funding back in 1999 to help my family and friends find a place to call home, with affordable financing. I have seen the ups and downs of the market and understands the value of an honest Mortgage Broker.
  • Elite One Mortgage
  • 10542 CALLE LEE SUITE # 102, Los Alamitos, CA, 90720
  • Elite One Mortgage we strive to evaluate all of the mortgage possibilities that are right for you, working with you every step of the way. That way, we can creative a home loan that best fits your unique situation and provides you with the most competitive rates that are available anywhere in the nation.
  • Bridge Capital Home Loans
  • 221 E. Glenoaks Blvd, Suite 225A, Glendale, CA, 91207
  • Bridge Capital Home Loans is a boutique mortgage brokerage based out of Glendale CA. With over 30 years of combined experience in the lending industry, our team of experienced agents offers specialized and mortgage services with competitive rates, low down payment options and personalized service.
  • Exceed Capital Lending
  • 606 East Glenoaks Boulevard, Suite 120, Glendale, CA, 91207
  • Our simple application process can be completed in less than a minute. We assess your strengths as a borrower. We take care of the underwriting process once your application is pre-qualifeid. After we obtain the minimal required documentations from you, our underwriters get to work and don’t rest until we get you funded.
  • BALLARD MORTGAGE COMPANY
  • 1711 W Nickerson St, Suite A, Seattle, WA, 98119
  • Our 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.
  • Addison Funding
  • 1022 Olancha Drive, Los Angeles, CA, 90065
  • We, on the other hand, work for you, are approved on a wholesale level with a multitude lenders and have the marketing knowledge that can direct us to that wholesale conduit offering Conventional, FHA, VA, expanded conforming, jumbo or super jumbo financing at the best prevailing rates, but it doesn’t stop there.
  • First Cal
  • 1125 E Broadway, Suite 545, Glendale, CA, 91205
  • First Cal began providing loans to new home buyers in 1977, helping to fund explosive economic growth. In time we launched Headlands Mortgage Company to bring innovative loan programs to mortgage brokers. We expanded the operation across the country and, at one point, made loans in 42 states.
  • Quick Loans America
  • 1125 E. Broadway, Suite 545, Glendale, CA, 91205
  • Quick Loans America We Welcome Good Credit, Bad Credit And Poor Credit For All Of Our Loans. With A Simple Form You Can Start Your Loan Process Today. Quick Loans America Now Has Lenders That Can Go Up To $50, 000. Our mission at Quick Loans America is to make your lending process as quick and easy as possible.
  • Los Angeles Federal Credit Union
  • 300 S. Glendale Ave, Glendale, CA, 91205
  • Los Angeles Federal Credit Union (LAFCU), was founded in 1936 by Los Angeles City employees to provide a source for affordable financial services to their fellow workers. Today our 49, 000 members include Los Angeles City employees, retirees and volunteers, "Select Employee Group" employees,