FHA Loans in West Chester, PA
Located in Chester County
Explore FHA loan options in West Chester, PA, located in Chester County. The FHA loan limit for single-family homes in this area is $472,030. West Chester is the county seat of Chester County and home to West Chester University. This walkable borough features a vibrant downtown with restaurants, shops, and cultural attractions.
ZIP Codes Served
FHA loans are available in the following West Chester ZIP codes:
FHA Loan Limits for West Chester
FHA loan limits are set at the county level. West Chester falls within Chester County and uses the following 2024 limits:
1 Unit
$472,030
2 Units
$604,400
3 Units
$730,525
4 Units
$907,900
West Chester Overview
Population
20,531
County
Chester
ZIP Codes
4
Benefits of FHA Loans in West Chester
Low Down Payment
Buy a home in West Chester with as little as 3.5% down. On a home at the FHA limit of $472,030, that is just $16,521.
Flexible Credit Requirements
FHA loans in Chester County accept credit scores as low as 580 for the 3.5% down payment option, or 500 with 10% down.
Competitive Interest Rates
Because FHA loans are government-backed, lenders in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area can offer competitive rates even to borrowers with lower credit scores.
Seller Concessions Allowed
When purchasing in West Chester, sellers can contribute up to 6% of the sale price toward your closing costs, reducing your out-of-pocket expenses.
Get an FHA Loan in West Chester
Connect with FHA-approved lenders serving West Chester and Chester County, PA. Get pre-qualified today.
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