In 2026, the USDA loan ceiling in Upper-Nazareth, within the county of Northampton, PA, is $298,080, whereas the maximum for an FHA loan on a single-family home is $372,600.
The Lendersa® USDA loan calculator allows you to compare the latest USDA and FHA rates, helping determine the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, assess USDA, FHA, Conforming, and VA loans side by side to find the best fit for your financial situation in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $298,080 | 0% | |
| FHA | $372,600 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to quickly secure the optimal USDA or FHA loans for you, without unnecessary hassle. Choose from three pathways to match you with suitable lenders and USDA loan programs.
A USDA home loan, assured by the government Department of Agriculture, is also known as a USDA rural development loan or mortgage. It is exclusively available in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, the USDA mortgage loan demands no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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