USDA Vs. FHA Pro and Con comparison in West-Cocalico, Lancaster County, PA
In the year 2025, the USDA loan limit in West-Cocalico, which is within Lancaster county, PA, is set at $285,000. Meanwhile, for a single-family home, the FHA limit is $356,362.
To assess the top current USDA versus FHA rates, use the Lendersa® USDA loan calculator. This tool assists in determining the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loan options side by side, helping you select the best program for your financial needs in .
Loan Limits and Down Payment Requirements in West-Cocalico, Lancaster County, PA for 2025
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Available Loan Options for USDA and FHA in West-Cocalico, PA
Lendersa® strives to swiftly and effortlessly secure the best USDA or FHA loan for you. Start by choosing one of three pathways that lead to lender matches and available USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, is also called a USDA rural development loan or USDA mortgage. It's designed specifically for rural neighborhoods. Unlike FHA loans, which demand a minimum of 3.5% down payment, a USDA mortgage requires no down payment whatsoever.
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