USDA Vs. FHA Pro and Con comparison in Upper-Allen, Cumberland County, PA

In 2025, USDA loan limit in Upper-Allen, county of Cumberland, PA is $285,000 while FHA limit is $356,362 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 Upper-Allen, county of Cumberland, PA

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

USDA and FHA loan options in Upper-Allen, 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?



  • St. Pat's Employees FCU
  • 500 West Broadway, Missoula, MT, 59802
  • St. Pat’s Employees Federal Credit Union 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, the St. Pat’s Employees Federal Credit Union will continue a sound yet progressive asset management strategy.
  • First Montana Bank
  • 201 N. Higgins Ave, Missoula, MT, 59802
  • Our story began in 1913 when several gents in Libby Montana got together and decided it would be a fine idea to create a bank dedicated to helping the community prosper and grow. Since that day, that small local bank has grown to ten branches serving eight western Montana communities.
  • Bank of Montana
  • 125 Bank Street, Suite 100, Missoula, MT, 59802
  • We offer a full range of deposit and loan services, featuring some of the most competitive rates in the country. One of our specialties is government-enhanced loans such as those provided in conjunction with the Montana Board of Investments, the Small Business Administration, the U.S. Department of Agriculture, and other state and federal programs.
  • Mann Mortgage
  • 1230 Whitefish Stage Rd, Kalispell, MT, 59901
  • Mann Mortgage is a trusted and family-owned home lending company based in Montana & licensed in 30+ states. We offer conventional loans, renovation loans, innovative construction loans, and reverse mortgages. Since our humble beginnings in 1989, Mann Mortgage has held true to our founding values, and has created a reputation of quality support and
  • Three Rivers Bank of Montana
  • 233 East Idaho, Kalispell, MT, 59901
  • Three Rivers Bank of Montana is a place where you can still get to know your banker, get personalized attention and quick answers because we are independently owned and locally operated. We are a vital contributor of time, talent, and resources to the community we serve. We are dedicated to enhancing our shareholders value.
  • Whitefish Credit Union - Columbia Falls Branch
  • 1845 Highway 93 South, Columbia Falls, MT, 59901
  • Whitefish Credit Union does business differently. Since 1934, we’ve been a not-for-profit, community focused credit union, dedicated to bettering our members’ financial health.Credit Union does business differently. Since 1934, we’ve been a not-for-profit, community focused credit union.
  • Glacier Bank
  • 202 Main St, Kalispell, MT, 59901
  • Glacier Bank was founded in 1955 in Kalispell, Montana. We have Banking offices in Flathead County (9), Lake County (2), Lincoln County (2), Butte-Silverbow (2) and Anaconda in Deer Lodge County. We are pleased to offer a full range of financial products and services including Personal and Business Deposit Accounts
  • Reliance Lending Northwest
  • 30 5th Street East, Suite 102, Kalispell, MT, 59901
  • At Reliance Lending Northwest we We understand. Every client has a different level of experience, financial stability, and plan for their future. We extend an unexpected level of personal service to find the right home loan for you, in the Flathead Valley, based on your buying situation.
  • Mountain Lake Mortgage
  • 1830 3rd Ave East, Suite 201, Kalispell, MT, 59901
  • Mountain Lake Mortgage our mission is to use our wealth of experience and resourcefulness to serve our clients, to put their best interest ahead of our own in every situation and to live by the law of abundance. We thrive on building trust based relationships with everyone we serve.
  • Cochise Credit Union
  • 170 N. Haskell, Willcox, AZ, 85643
  • Cochise Credit Union was state chartered in 1958 in Willcox, AZ to serve the financial needs of Sulphur Springs Valley Electric Cooperative (SSVEC) employees and their families. Over the years the credit union has expanded their field of membership to serve the following zip codes: 85643, 85644, 85625, 85605, 85606,
  • Montana Educators Credit Union
  • 2000 South Russell Street, Suite 1, Missoula, MT, 59801
  • MECU has been a reliable resource for Missoulians, who are looking for more than an ordinary banking experience. In 1996 we began as a financial cooperative for school employees in Missoula, Mineral, Granite and Sanders counties, but expanded to serve all Missoula County residents in 1998. We are an independent credit union