In 2026, 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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| Loan Type | Loan Limit | Down Payment | |
| USDA | $381,800 | 0% | |
| FHA | $529,000 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
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.
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?
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