USDA and FHA Pro and Con in Valley, Chester County, PA

In 2025, the USDA loan limit for Valley, located in Chester county, PA, is $381,800, whereas the FHA limit for a single-family home is $529,000.

With the Lendersa® USDA loan calculator, compare today's best USDA vs. FHA rates to determine needed income, credit, reserves, and documentation for eligibility. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA side by side, helping you find the ideal option for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Valley, County of Chester, PA

Loan Type Loan Limit Down Payment
USDA $381,800 0%
FHA $529,000 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Valley, PA

Lendersa® strives to connect you rapidly with top USDA or FHA loans, without unnecessary hassle. Opt for one of three starting steps, matching with lenders and accessing USDA loan programs.

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Understanding USDA Loans in PA

The USDA home loan, often called the USDA rural development loan, is a mortgage guaranteed by the Department of Agriculture, available exclusively in rural areas. Unlike FHA loans that need a minimum 3.5% down payment, USDA loans have no down payment requirements.

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



  • Hometown Captial Group
  • 2860 Bartlett Rd, Suite 6, Bartlett, TN, 38134
  • Hometown Captial Group 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.
  • Contract Exchange Corporation
  • 425 2nd Street SE, Suite 370, Cedar Rapids, IA, 52401
  • Contract Exchange Corporation was founded in April of 1981. At the time, interest rates were near their all-time highs as the Federal Reserve “wrung” inflation out of the economy. With 30 year mortgage rates around 17%, many Sellers turned to that age old instrument, the Land Installment Contract as a means to sell their properties.
  • Financial Federal Bank
  • 1715 Aaron Brenner Drive, Suite 100, Memphis, TN, 38120
  • Financial Federal is locally owned and operated and remains a community bank that specializes in high quality customer service and customized banking solutions. Our board and senior management continue to focus on creating an atmosphere that is appreciated by those who value the confidence that comes from experience
  • The Wendy Thompson Lending Team
  • 6489 Quail Hollow Rd, Suite 106, Memphis, TN, 38120
  • Compare, Offer and Close with CONFIDENCE with The Wendy Thompson Team. Your homebuying journey should start with finding a lender. Mortgages are long-term relationships, and you will want to be confident that your lender offers a strong combination of quality service and competitive pricing.
  • Quaker Oats Credit Union
  • 3535 Center Point Road NE, Cedar Rapids, IA, 52402
  • Quaker Oats Credit Union is a full-service financial institution for the employees, retirees, and family members of the Quaker Oats Company, Tree House Foods, PMX Industries, Circle Computer Resources, CCB Packaging, and Trapeze Group. Quaker Oats Credit Union is a member-owned financial institution dedicated to serving its members.
  • Hills Bank
  • 3905 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402
  • Hills Bank has grown to become one of Iowa's largest independent banks. We have achieved this growth the old fashioned way — by earning our customers'​ respect, one at a time. Hills Bank was founded on the principle that banks should care about the people they serve and provide ways to help them prosper.
  • Chec King Payday Advance
  • 600 Blairs Ferry Road, Suite D, Cedar Rapids, IA, 52402
  • Chec King Payday Advance has been providing you with easy payday loans since 2005. We're a locally owned and operated business. If you need immediate cash for any unforeseen emergency situation, contact the people-friendly professionals at Chec King Payday Advance. You can open an account immediately, and we'll process your loan promptly.
  • Hall Lending Group
  • 1918 St Andrews Ct NE, Cedar Rapids, IA, 52402
  • Hall Lending Group was created by Hope Hall with one mission in mind: to provide customers with the best home loan experience possible. For nearly two decades, we have been helping families meet their goals of home ownership with the best interest rates and loan programs available.