For the year 2026, 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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $345,000 | 0% | |
| FHA | $431,250 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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