USDA Vs. FHA Pro and Con comparison in Upper-Darby, Delaware County, PA

In 2025, the limit for a USDA loan in Upper-Darby, located in Delaware county of PA, is $345,000. In contrast, the FHA limit for a single-family home stands at $431,250.

Utilize the Lendersa® USDA loan calculator to evaluate and compare the top USDA versus FHA rates available today. Determine the necessary income, credit score, reserves, and documentation required for qualification. With our advanced mortgage calculator, you can view side-by-side comparisons of USDA, FHA, Conforming, and VA loans to help you choose the program in that best aligns with your financial situation.

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Loan Limits and Downpayment Requirements for 2025 in Upper-Darby, County of Delaware, PA

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

Exploring USDA and FHA Loan Possibilities in Upper-Darby, PA

Lendersa® strives to secure you the optimal USDA or FHA loan efficiently and without hassle. Choose from three starting points, effectively connecting you with lenders and USDA loan programs.

Visual representation of Lendersa USDA loan request and matching results

Defining the USDA Loan in PA

The USDA home loan is a financial service guaranteed by the Department of Agriculture, often referred to as the USDA rural development loan or mortgage. This loan is designed specifically for rural neighborhoods. Unlike FHA loans that necessitate a minimum 3.5% down payment, the USDA mortgage requires no down payment at all, providing noteworthy financial relief.

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



  • Crosswalk Mortgage, Inc
  • 377 E. Chapman Ave, Suite 200, Placentia, CA, 92870
  • Crosswalk Mortgage, Inc., our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide you a safe place to discuss home loans options with our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers.
  • Access Lending Solutions Inc.
  • 1407 Kliner Ln, Placentia, CA, 92870
  • Access Lending Solutions Inc. is a California based loan provider offering solutions to homeowners looking for an un-invasive and simple approach to mortgage planning. We take a consumer-centric approach to quoting that most loan providers reject. We require very limited, bare-bones criteria to quote.
  • 1st Security Bank of Washington
  • 6920 220th St SW, Mountlake Terrace, WA, 98043
  • At 1st Security Bank, we know your money is more than a number. It’s the path to a better life, business, and community. That matters to us, too. And since actions speak louder than words, we strive to be the bank that shows up to help. We’ve been serving customers and communities since 1936 and it’s taught us that you only get what you give.
  • American Continental Bank
  • 17700 Castleton Street, Suite 100, City Of Industry, CA, 91748
  • American Continental Bank was established on October 6, 2003, by a group of local businessmen and individuals who were interested in creating a Bank that would provide specialized financial services to the Chinese community. Our Senior Management team and staff consist of highly skilled bankers who are professional.
  • ACG Funding Inc
  • 17590 Colima Road, Rowland Heights, CA, 91748
  • Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Our name that is trusted throughout the community. To speak directly with an experienced mortgage professional simply give us a call anytime. We look forward to working with you.
  • Greater Pacific Real Estate Services
  • 1920 Batson Avenue, Suite 268, Rowland Heights, CA, 91748
  • We're real estate experts who specialize in mortgage financing and real estate sales. We are here to simplify the process toward you obtaining your ultimate goal...Homeownership. Our one on one customer relationship offers you customized service and support. Greater Pacific Real Estate SVCS-Wayne Wainwright, Rowland Heights.
  • iHome Funding
  • 18645 East Gale Avenue, Suite 210, Rowland Heights, CA, 91748
  • iHome Funding is known for its competitive yet flexible rates. Regardless of whether you think you will save money, we may be able to offer a personalized rate lock scenario with your benefit in mind and alos We aim to provide a painless and hassle free refinance experience. Our establishment’s consultants can guide you through our process.
  • PYC Financial
  • 17890 Castleton Street, Suite 378, City Of Industry, CA, 91748
  • PYC Financial is a group of mortgage specialist with over 20 years of experience. We have successfully helped hundred of clients with their home loans.We are committed to provide our clients expert advices on property loans and offer extremely competitive interest rates with an extensive network of lending partners.
  • USA Financial Group, Inc
  • 18725 E. Gale Ave, Suite 227, City Of Industry, CA, 91748
  • "At USA Financial Group, Inc We can help you find the perfect mortgage. Buying a home is one of the biggest purchases most of us make. House hunting can be exciting and disappointing at the same time. Some people find the perfect home in three days, for others, it can take months. We've seen it all. And we understand how you feel.