USDA and FHA Pro and Con in Upper-Gwynedd, Montgomery County, PA

As of 2025, the USDA loan limit in Upper-Gwynedd, Montgomery County, PA is $345,000, while the FHA limit for a single-family home is $431,250.

Utilize the Lendersa® USDA loan calculator to compare the top USDA vs. FHA rates today and assess the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA programs side by side, assisting you to determine which program in is best suited for your unique financial situation.

Compare loan offers from 100 different lenders

2025 Loan Limits & Down Payment Requirements in Upper-Gwynedd, Montgomery, PA

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

USDA & FHA Loan Options in Upper-Gwynedd, PA

Lendersa® aims to help you secure the best USDA or FHA loan swiftly with ease. Choose from three paths to find matching lenders and USDA loan programs that meet your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in PA

A USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. These loans are available exclusively in rural areas, requiring no down payment, in contrast to FHA loans that require at least 3.5% down.

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



  • Center Street Lending
  • 18301 VON KARMAN STE 330, Irvine, CA, 92612
  • Center Street Lending is Private money residential lender that provides business-purpose loans for single-family and multi-family investments. and also Our management team has been involved in the financing of real estate since 1992 and has financed billions of dollars of residential real estate.
  • Orange County’s Credit Union - St. Andrew
  • PO Box 11777, Santa Ana, CA, 92711
  • Orange County's Credit Union! Originally chartered in 1938, today the Credit Union serves more than 116, 000 Members in Orange, Los Angeles, Riverside, and San Bernardino Counties. The Credit Union reports an asset size exceeding $2 billion and employs more than 300 happy Associates.
  • Clackamas County Bank
  • 38975 Proctor Blvd., Sandy, OR, 97055
  • To be a locally owned, independent community bank, dedicated to delivering high-quality personalized banking services to our customers and to our communities while maintaining a sound, profitable investment for our shareholders. We are a full-service bank in the Sandy, Welches, Boring & Gresham area.
  • The Home Loans Co
  • 1550 S Anaheim Blvd, Suite D, Anaheim, CA, 92805
  • We are the Home Loans Company of Anaheim California, a family owned and operated mortgage & real estate brokerage with over 18 years of experience in the home mortgage industry. Born in 2020, each day we come to work eager to help our community become home owners, leverage home equity and maximize their real estate investments.
  • Zinex Realty
  • 1701 East Lincoln Avenue, Anaheim, CA, 92805
  • 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
  • Golden Waters Funding, Inc
  • 1600 North Broadway, Suite 120, Santa Ana, CA, 92706
  • 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.
  • MGM Lenders Inc.
  • 1912 North Broadway, Suite 102, Santa Ana, CA, 92706
  • MGM Lenders provides quality mortgage lending services with the mission of offering competitive real estate financing with unmatched services.Our overqualified team, with a backbone of great teamwork, is ready to serve our customers in multiple languages - including English, Spanish and Farsi. We highly respect different cultures and languages.
  • Loankey.io
  • 2702 North Flower Street, Santa Ana, CA, 92706
  • Loankey.io founder of the Eric Antonio Figueroa is a full service Mortgage Brokerage offering Home and Commercial loans from over 20 lenders and also our team is ready to help. We can assist with all types of financing needs. Stated Income Programs, No Income Documentation, New Employment and Many More.
  • Puget Sound Refinery Federal Credit Union
  • 12275 Bartholomew Road, Anacortes, WA, 98221
  • On January 26, 1954, we received our charter as North Montana Texaco Employees Federal Credit Union. In 1958 our name was changed to Puget Sound Texaco Federal Credit Union. In June of 1988, Seattle Texaco Credit Union merged with our credit union. When Texaco merged with Equilon, the new credit union name became E. E. Federal Credit Union.