FHA Loans in Lancaster, PA
Located in Lancaster County
Explore FHA loan options in Lancaster, PA, located in Lancaster County. The FHA loan limit for single-family homes in this area is $472,030. Lancaster is the county seat and a vibrant city experiencing significant revitalization. Its affordable housing market and growing cultural scene make it attractive for first-time homebuyers using FHA loans.
ZIP Codes Served
FHA loans are available in the following Lancaster ZIP codes:
FHA Loan Limits for Lancaster
FHA loan limits are set at the county level. Lancaster falls within Lancaster County and uses the following 2024 limits:
1 Unit
$472,030
2 Units
$604,400
3 Units
$730,525
4 Units
$907,900
Lancaster Overview
Population
63,952
County
Lancaster
ZIP Codes
11
Benefits of FHA Loans in Lancaster
Low Down Payment
Buy a home in Lancaster 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 Lancaster 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 Lancaster, PA area can offer competitive rates even to borrowers with lower credit scores.
Seller Concessions Allowed
When purchasing in Lancaster, 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 Lancaster
Connect with FHA-approved lenders serving Lancaster and Lancaster County, PA. Get pre-qualified today.
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