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By Karl Freund

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January 11, 2025

2025 FHA Loan Limits for Pennsylvania

County nameSingle FamilyTwo unitsThree unitsFour units
ADAMS$524,225$671,200$811,275$1,008,300
ALLEGHENY$524,225$671,200$811,275$1,008,300
ARMSTRONG$524,225$671,200$811,275$1,008,300
BEAVER$524,225$671,200$811,275$1,008,300
BEDFORD$524,225$671,200$811,275$1,008,300
BERKS$524,225$671,200$811,275$1,008,300
BLAIR$524,225$671,200$811,275$1,008,300
BRADFORD$524,225$671,200$811,275$1,008,300
BUCKS$594,550$761,150$920,050$1,143,400
BUTLER$524,225$671,200$811,275$1,008,300
CAMBRIA$524,225$671,200$811,275$1,008,300
CAMERON$524,225$671,200$811,275$1,008,300
CARBON$524,225$671,200$811,275$1,008,300
CENTRE$524,225$671,200$811,275$1,008,300
CHESTER$594,550$761,150$920,050$1,143,400
CLARION$524,225$671,200$811,275$1,008,300
CLEARFIELD$524,225$671,200$811,275$1,008,300
CLINTON$524,225$671,200$811,275$1,008,300
COLUMBIA$524,225$671,200$811,275$1,008,300
CRAWFORD$524,225$671,200$811,275$1,008,300
CUMBERLAND$524,225$671,200$811,275$1,008,300
DAUPHIN$524,225$671,200$811,275$1,008,300
DELAWARE$594,550$761,150$920,050$1,143,400
ELK$524,225$671,200$811,275$1,008,300
ERIE$524,225$671,200$811,275$1,008,300
FAYETTE$524,225$671,200$811,275$1,008,300
FOREST$524,225$671,200$811,275$1,008,300
FRANKLIN$524,225$671,200$811,275$1,008,300
FULTON$524,225$671,200$811,275$1,008,300
GREENE$524,225$671,200$811,275$1,008,300
HUNTINGDON$524,225$671,200$811,275$1,008,300
INDIANA$524,225$671,200$811,275$1,008,300
JEFFERSON$524,225$671,200$811,275$1,008,300
JUNIATA$524,225$671,200$811,275$1,008,300
LACKAWANNA$524,225$671,200$811,275$1,008,300
LANCASTER$524,225$671,200$811,275$1,008,300
LAWRENCE$524,225$671,200$811,275$1,008,300
LEBANON$524,225$671,200$811,275$1,008,300
LEHIGH$524,225$671,200$811,275$1,008,300
LUZERNE$524,225$671,200$811,275$1,008,300
LYCOMING$524,225$671,200$811,275$1,008,300
MCKEAN$524,225$671,200$811,275$1,008,300
MERCER$524,225$671,200$811,275$1,008,300
MIFFLIN$524,225$671,200$811,275$1,008,300
MONROE$524,225$671,200$811,275$1,008,300
MONTGOMERY$594,550$761,150$920,050$1,143,400
MONTOUR$524,225$671,200$811,275$1,008,300
NORTHAMPTON$524,225$671,200$811,275$1,008,300
NORTHUMBERLAND$524,225$671,200$811,275$1,008,300
PERRY$524,225$671,200$811,275$1,008,300
PHILADELPHIA$594,550$761,150$920,050$1,143,400
PIKE$1,209,750$1,548,975$1,872,225$2,326,875
POTTER$524,225$671,200$811,275$1,008,300
SCHUYLKILL$524,225$671,200$811,275$1,008,300
SNYDER$524,225$671,200$811,275$1,008,300
SOMERSET$524,225$671,200$811,275$1,008,300
SULLIVAN$524,225$671,200$811,275$1,008,300
SUSQUEHANNA$524,225$671,200$811,275$1,008,300
TIOGA$524,225$671,200$811,275$1,008,300
UNION$524,225$671,200$811,275$1,008,300
VENANGO$524,225$671,200$811,275$1,008,300
WARREN$524,225$671,200$811,275$1,008,300
WASHINGTON$524,225$671,200$811,275$1,008,300
WAYNE$524,225$671,200$811,275$1,008,300
WESTMORELAND$524,225$671,200$811,275$1,008,300
WYOMING$524,225$671,200$811,275$1,008,300
YORK$524,225$671,200$811,275$1,008,300
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Karl Freund

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About Me

Karl Freund is the current CEO of Kenneth James Realty, as well as a licensed loan originator.  He has been in the lending and real estate industry for 25 years and achieved well over $1 Billion in sales.  He is a graduate of St. Bonaventure University in New York, and a current resident of Phoenix, Arizona.

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Legal Disclosures

Representative rates are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. Representative rates are valid as of 05/20/2024 and assume a minimum credit score of 740 and loan-to-value ratio of 80%, except for FHA and VA loans which assume a minimum credit score of 680-739 and loan-to-value ratio of 96.5% and 100%, respectively. The Jumbo loan amount shown exceeds the highest conforming loan limit in most state or city locations for which rates are being provided. Currently, a Jumbo loan exceeds $766,550 for a single-family home in all states (except Hawaii and Alaska, and a few federally designated markets where the limit is $1,149,825). Estimated monthly payment amounts displayed are based upon principal and interest only, and taxes and insurance are not included in this estimate; the actual payment obligation may be greater. Not all borrowers will qualify for these rates. Final loan approval is subject to criteria established by a lender, including satisfactory appraisal, title review, and underwriting determination, among other criteria. Rates subject to change without notice. Restrictions apply. 

NOTE: Mortgage rate trends are based on historical rate data and the inputs that you select. Changes to inputs will affect the rate trends shown. Mortgage rate trends displayed are for informational purposes only and represent rate trends over time and are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only.

Mortgage rates are displayed through Zillow Group Marketplace, Inc. (“ZGMI”) a licensed mortgage broker, NMLS #1303160. Zillow Group Marketplace, Inc. does not make loans and this is not a commitment to lend. See current list of state licenses and disclosures here. Please note: Adjustable-rate mortgages (ARMs) are loans with interest rates that change after an initial fixed-rate period.

ZGMI does not aid or assist consumers in obtaining loans, solicit consumers or lenders for loans, offer or negotiate terms of loans, make loans or credit decisions in connection with loans, take applications for credit, or issue pre-approval letters. ZGMI allows consumers to provide certain information to lenders. ZGMI does not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.

More details about the rates displayed

  • A 3-year ARM loan of $300,000 at 8.35 % APR with a down payment of $75,000 will have a monthly payment of $2,227.
  • A 5-year ARM loan of $300,000 at 7.67 % APR with a down payment of $75,000 will have a monthly payment of $1,923.
  • A 7-year ARM loan of $300,000 at 7.53 % APR with a down payment of $75,000 will have a monthly payment of $1,942.
  • A 10-Year Fixed Rate loan of $300,000 at 5.95 % APR with a down payment of $75,000 will have a monthly payment of $3,299.
  • A 15-Year Fixed Rate loan of $300,000 at 6.13 % APR with a down payment of $75,000 will have a monthly payment of $2,531.
  • A 20-Year Fixed Rate loan of $300,000 at 6.30 % APR with a down payment of $75,000 will have a monthly payment of $2,187.
  • A 30-Year Fixed Rate loan of $300,000 at 6.74 % APR with a down payment of $75,000 will have a monthly payment of $1,929.
  • A 15-Year Fixed Rate FHA loan of $300,000 at 6.88 % APR with a down payment of $10,880 will have a monthly payment of $2,494.
  • A 15-Year Fixed Rate VA loan of $300,000 at 6.25 % APR with a down payment of $0 will have a monthly payment of $2,492.
  • A 30-Year Fixed Rate FHA loan of $300,000 at 7.08 % APR with a down payment of $10,880 will have a monthly payment of $1,798.
  • A 30-Year Fixed Rate VA loan of $300,000 at 6.35 % APR with a down payment of $0 will have a monthly payment of $1,812.
  • A 15-Year Fixed Rate Jumbo loan of $766,551 at 6.84 % APR with a down payment of $191,637 will have a monthly payment of $6,783.
  • A 3-year ARM Jumbo loan of $766,551 at 7.57 % APR with a down payment of $191,637 will have a monthly payment of $4,473.
  • A 30-Year Fixed Rate Jumbo loan of $766,551 at 6.92 % APR with a down payment of $191,637 will have a monthly payment of $5,024.
  • A 5-year ARM Jumbo loan of $766,551 at 7.67 % APR with a down payment of $191,637 will have a monthly payment of $5,054.
  • A 7-year ARM Jumbo loan of $766,551 at 7.48 % APR with a down payment of $191,637 will have a monthly payment of $5,010.
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