USDA VS FHA in West-Donegal, Lancaster County, PA

As of 2025, the USDA loan cap in West-Donegal, located in the county of Lancaster, PA, stands at $285,000. Meanwhile, for a single-family residence, the FHA limit is set at $356,362.

Utilize the Lendersa® USDA loan calculator today to weigh the optimal USDA versus FHA rates. It allows you to efficiently evaluate the necessary income, credit score, available reserves, and documentation needed for qualification. By using our sophisticated mortgage calculator, you can compare USDA, FHA, conforming, and VA loans side by side to see which option in Alabama suits your personal financial needs the best.

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2025 Loan Thresholds and Down Payment Needs in West-Donegal, Lancaster, PA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in West-Donegal, PA

The aim of Lendersa® is to provide you with the swiftest and most seamless USDA or FHA loan possible. Choose one of three pathways that will connect you with lenders and USDA loan schemes.

Lendersa USDA loan request and corresponding matches

Understanding USDA Loans in PA

A USDA home loan, also known as the USDA rural development loan, is backed by the Department of Agriculture and is designed for homes in rural areas. This type of loan stands apart by requiring no down payment, unlike FHA loans which necessitate a 3.5% minimum.

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



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  • 80 East Jericho Tpke, Mineola, NY, 11501
  • Hanover Bank provides a fresh and highly personalized approach to banking. We work harder and smarter to help you reach your goals because we know that your success and prosperity helps us build ours. YOU, our clients, are the reason for all we do. Our “fresh” approach results in products and services as individualized as our clients’ needs.
  • Patriot One Mortgage Bankers LLC
  • 142 Willis Avenue, Mineola, NY, 11501
  • Patriot One Mortgage Bankers, LLC has been New York’s top choice for customized lending solutions since its establishment in 2006. Founded by Susan Khani, a mortgage industry professional for over 35 years, Patriot One services home buyers and homeowners in Long Island, Queens, Brooklyn, the Bronx, Staten Island, Manhattan, Westchester, and Rocklan
  • Continental Mortgage Company
  • 25 Roslyn Road, 1st Floor, Mineola, NY, 11501
  • "Continental Mortgage Company was established in 1998, with the vision of helping borrowers navigate through the often complex real estate process. Its founders envisioned a mortgage company where borrowers not only received the best deal for their individual needs, but were educated and informed about the real estate process."
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  • 399 Knollwood Road, Suite 320, White Plains, NY, 10603
  • Quintessential Mortgage Group,we believe in treating customers the way we would like to be treated. We educate, advise, & empower you with mortgage planning tools to help you make informed decisions.We know you need a lot of information before you decide which mortgage broker is right for you, & we’re prepared to give you the information you need.
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  • 2 S. Division St, 2nd Floor, Peekskill, NY, 10566
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  • 1830 Grand Avenue, Baldwin, NY, 11510
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  • 2 Robbie Rd Cortlandt, Manor, NY, 10567
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