USDA VS FHA in Spring-House, Montgomery County, PA

In 2025, USDA loan limit in Spring-House, county of Montgomery, PA is $345,000 while FHA limit is $431,250 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Spring-House, county of Montgomery, PA

Loan Type Loan Limit Down payment
USDA $345,000 0%
FHA $431,250 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Spring-House, PA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Pennsylvania?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • HUD Federal Credit Union
  • 451 7th Street SW, Suite 3241, Washington, DC, 20410
  • HUD Federal Credit Union (HUDFCU) is a not-for-profit financial cooperative headquartered in D.C. with current assets of just under $50 million and over 5, 600 members. Having supported the employees and families of those who work for the common purpose of Housing and Urban Development since 1936.
  • GSA Federal Credit Union
  • 1800 F Street NW, Room 1211, Washington, DC, 20405
  • GSA Federal Credit Union offers a different approach to banking. After our expenses are met, we return profits to our member/owners in the form of higher savings rates, lower loan rates and minimal fees Our Mission To provide financial services that promote the wise use of money To be a benefit of employment
  • Department of Labor Federal Credit Union
  • 2 Massachusetts Avenue NE, Room 2665, Washington, DC, 20212
  • Welcome to DOLFCU, chartered in 1935 and to provide a full range of financial services to its members. We're a member-owned financial institution, serving employees and retirees of the U.S. Department of Labor and their families and many other eligible organizations. DOLFCU - Convenience. Trust. Security.
  • Department of Commerce FCU
  • 1401 Constitution Avenue NW, Washington, DC, 20230
  • At the Department of Commerce Federal Credit Union (DOCFCU), we’ve been serving the best interests of our members for nearly 100 years. Our nation and the world as a whole has changed monumentally since our founding, but we remain true to our goal of serving all of our members well, including those of modest means.
  • Census Federal Credit Union
  • 4600 Silver Hill Road, Washington, DC, 20233
  • The Census Federal Credit Union was established in 1948 to provide financial services to the employees of the Census Bureau. As a member, you share in the ownership of a full service financial institution and being an owner makes a difference.Your ownership entitles you to vote for the individuals who serve on the Credit Union’s Board of Directors
  • Agriculture Federal Credit Union
  • 1000 Jefferson Drive SW, Room B 10, Washington, DC, 20560
  • AgFed began in 1934, in Washington, DC and now serves individuals nationwide. Providing the highest quality of service is our top priority. We offer market leading mortgages, auto loans, credit cards, checking, and a wide range of other accounts with our members' interests always in mind
  • EP Federal Credit Union
  • 13th & C Streets SW, Room 215A, Washington, DC, 20228
  • The EP Federal Credit Union was originally chartered in 1935 by 10 employees of the Bureau of Engraving and Printing for the purpose of 'promoting thrift and providing a source of credit'​ for the employees there. During the late 1970's and 1980's, the credit union made several charter changes through mergers and expansions to include other organiz
  • All Capital Solutions LLC
  • 40 Raisin Tree Circle, Pikesville, MD, 20208
  • We are a leading direct residential mortgage broker in Maryland. Our simple and effective approach speeds up the entire loan process and ensures our customers get the loan that best suits their individual needs at the most competitive rate. With over 15 years in the business and $400 Million in closed loans, we have the experience to help
  • WH Mortgage
  • 6500 Rock Spring Drive, Suite 204, Bethesda, MD, 20817
  • Washington Home Mortgage is an independent mortgage broker company, long-established and highly-respected throughout the D.C./Maryland community for over 20 years. We work with a wide variety of lenders, allowing us to obtain the best possible rates and finanical outcomes for our clients.
  • Infinity Capital Finance
  • 10411 Motor City Dr, 7th Floor, Bethesda, MD, 20817
  • "Infinity Capital Finance is a direct private money lender that provides financing through loans secured by non-owner occupied residential real estate. With more than 30 years of combined experience, the partners of Infinity Capital Finance have organized operations around sound business practices, integrity, efficiency,"
  • Nymeo Federal Credit Union
  • 5210 Chairmans Court, Frederick, MD, 21703
  • Nymeo is a cooperative, not-for-profit credit union dedicated to personalized services for its members. If you live, work, worship, attend school or conduct business in Frederick County Maryland, you are welcome to become a member! Since we are a nonprofit, we have members NOT customers.
  • Addison Mortgage Consultants
  • 5 Hillcrest Dr, Suite B203, Frederick, MD, 21703
  • Addison Mortgage Consultants, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.