USDA and FHA Pro and Con in West-Lampeter, Lancaster County, PA

In 2025, the USDA loan ceiling in West-Lampeter, within the county of Lancaster, PA, is set at $285,000. Meanwhile, the FHA cap for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's premier USDA versus FHA rates and understand the income, credit score, reserves, and documentation required to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding your decision on which program in is optimal for your financial circumstances.

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2025 Loan Limits and Down Payment Specifications in West-Lampeter, Lancaster, PA

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

Exploring USDA and FHA Loan Options in West-Lampeter, PA

Lendersa® is committed to securing the best possible USDA or FHA loan for you swiftly and effortlessly. Start with one of three approaches to connect with matching lenders and identify the USDA loan programs best suited to your needs.

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Understanding USDA Loans in PA

A USDA home loan, guaranteed by the government's Department of Agriculture, is known as a USDA rural development loan or USDA mortgage, offered exclusively in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans necessitate no down payment at all.

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



  • Alpha Funding
  • 1810 E Sahara Ave, Suite 200, Las Vegas, NV, 89104
  • We are able to make exceptions when the big picture makes sense to us. Our primary focus is the strength of the collateral, the ability to debt service, and the borrower’s ability to repay the loan. We are able to get past issues other hard money lenders lenders can’t. We are problem solvers with reasonable solutions for unbankable loans.
  • Nova Financial
  • 2006 E Charleston Blvd, Las Vegas, NV, 89104
  • Our customer’s needs will always come first. We will be positive, helpful, and enthusiastic at all times; always focusing on solutions, not the challenges. We have worked hard for over 20 years to provide the highest quality, most innovative and exceptional service available anywhere.
  • Casamia Mortgage Company
  • 1319 South Eastern Avenue, Las Vegas, NV, 89104
  • Casamia Mortgage 1997 throughout my journey, I have worked with major mortgage companies gaining knowledge and experiences in programs such as FHA, Conventional, VA, FHA 203K, Private Money and Down Payment Assistance. I have also worked closely with the Hispanic Community in attempts to educate.
  • Rehab Lend
  • 1810 E Sahara Ave, Suite 200, Las Vegas, NV, 89104
  • REHABLEND by Alpha Funding Corp. (www.afunding.com) was established in 2016 to provide a simple and effective platform for real estate investors and brokers who need to acquire or refinance non-owner occupied residential and multifamily properties. We focus on value-add transactions. We do not charge interest on the rehab holdback.
  • All Coast Lending Inc.
  • 810 S CASINO CENTER BLVD STE 101, LAS VEGAS, NV, 89101
  • Founded in 2015, the key to our success has been a combination of consistently offering the lowest rates possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity. We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution.
  • Ace Loan Co
  • 215 N. 3rd Street, Las Vegas, NV, 89101
  • Ace Loan Company, we offer affordable loans on gold and silver jewelry of all kinds- rings, bracelets, necklaces, coins, and fine watches. We’re committed to providing high-quality, gently used merchandise to the community in a tasteful, affordable way In addition, we have a wide assortment of jewelry for guests to discover.
  • InstantPaydayNV
  • Mesa Drive, Las Vegas, NV, 89101
  • InstantPaydayNV offers payday loans with no credit check on the same day in Las Vegas. Use our simple online application process. If approved, you can get cash in less than 24 hours. Get funds $200 up to $5000 and receive funds within 24 hours. Visit us today for a fast and easy loan process.
  • Chaos Home Loans
  • 900 S. Fourth Street, Las Vegas, NV, 89101
  • Our goal at Chaos Home Loans LLC is to make the mortgage process, simple, understandable, and easy. Our team works around the clock to make sure all of our clients are always up to date about their loan status. A VA loan is a mortgage loan in the United States guaranteed by the United