USDA Vs. FHA your options comparison in Upper-Merion, Montgomery County, PA
For the year 2025, the USDA loan cap in the city of Upper-Merion, located in Montgomery county, PA, is $345,000. Meanwhile, the FHA loan ceiling for a single-family dwelling is $431,250.
Leverage the Lendersa® USDA loan calculator to compare the best current rates of USDA versus FHA loans. This tool helps in determining the necessary income, credit status, reserves, and essential documents for qualification. Our advanced mortgage calculator enables a comparison of USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the most suitable program in for your financial needs.
2025 Loan Limitations and Down Payment Requirements in Upper-Merion, Montgomery County, PA
Loan Type
Loan Limit
Down Payment
USDA
$345,000
0%
FHA
$431,250
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Upper-Merion, PA
At Lendersa®, our aim is to swiftly secure the best USDA or FHA loans for you, with minimal hassle. Choose one of three starting points for matching with lenders and exploring USDA loan programs.
The USDA home loan, backed by the government through the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and it can be used in rural areas only. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment at all.
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