Gettysburg FHA Loan Rates, Closing Costs & Stats

GETTYSBURG, PA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Gettysburg's 61 lenders originated 222 FHA loans during 2024. The total origination value was $57,100,000, with an average FHA loan value of $257,207.

    Gettysburg FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Gettysburg averaged 6.57% for the week of 2025-05-23, compared to the national average (all FHA variants) of 6.612% for the same period.

    Gettysburg's average FHA mortgage closing costs are $8,689.

    The average rate for the prior week (2025-05-16) was 6.5% and one month ago for the week of 2025-04-18, the average rate was 6.73%.

    The average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.79%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Gettysburg FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Gettysburg level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 27 6.23% $13,501
    CROSSCOUNTRY MORTGAGE, LLC 19 6.79% $10,801
    UNITED WHOLESALE MORTGAGE, LLC 13 6.08% $15,088
    York Traditions Bank 8 5.81% $12,548
    PRIMARY RESIDENTIAL MORTGAGE, INC. 8 6.72% $11,416
    MOVEMENT MORTGAGE, LLC 8 6.66% $10,390
    CMG MORTGAGE, INC. 7 7.02% $10,464
    NEWREZ LLC 6 6.33% $13,549
    BAY CAPITAL MORTGAGE CORPORATION 6 6.35% $10,884
    Mr. Cooper ( Nationstar Mortgage ) 4 6.50% $20,320
    PENNYMAC LOAN SERVICES, LLC 4 5.72% $12,247
    FIRST HOME MORTGAGE CORPORATION 4 6.66% $15,558
    RADIUS FINANCIAL GROUP INC. 4 6.78% $9,953
    FREEDOM MORTGAGE CORPORATION 3 6.50% $9,753
    EMBRACE HOME LOANS, INC. 3 6.71% $13,917
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.75% $15,477
    Towne Bank 3 6.33% $11,187
    EMM LOANS LLC 3 6.08% $13,058
    LAKEVIEW LOAN SERVICING, LLC 3 6.66% $9,394
    BROKER SOLUTIONS, INC. 3 7.25% $12,276
    M&T Bank 3 6.21% $10,189
    Presidential Bank, FSB 2 6.19% $15,029
    NFM, INC. 2 6.81% $14,243
    GUILD MORTGAGE COMPANY 2 6.69% $10,389
    Meridian Bank Corporation 2 5.88% $8,484
    HOMESIDE FINANCIAL, LLC 2 6.37% $13,513
    THE MORTGAGE LINK, INC. 2 7.06% $18,780
    UNION HOME MORTGAGE CORP. 2 6.56% $11,951
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.75% $7,707
    Prosperity Home Mortgage, LLC 1 7.38% $21,999
    ALLIED MORTGAGE GROUP, INC. 1 6.75% $10,070
    RUOFF MORTGAGE COMPANY, INC. 1 5.75% $11,994
    T2 FINANCIAL LLC 1 6.00% $8,405
    RELIANCE FIRST CAPITAL, LLC 1 6.13% $12,978
    AMERICAN FINANCING CORPORATION 1 5.50% $17,071
    Ameris Bank 1 6.25% $18,037
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $11,749
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.75% $11,894
    CARDINAL FINANCIAL 1 5.63% $13,275
    Carrington Mortgage Services, LLC 1 7.13% $9,997
    Century Mortgage Company DBA Century Lending Company 1 5.99% $16,229
    DHI MORTGAGE COMPANY, LTD. 1 6.50% $13,315
    DIRECT MORTGAGE LOANS, LLC 1 5.99% $12,980
    EAGLE HOME MORTGAGE, LLC 1 6.75% $12,824
    Encompass Lending Group, LP 1 6.75% $10,900
    EVERETT FINANCIAL, INC. 1 7.13% $13,933
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $16,707
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.25% $15,816
    FIRST COMMUNITY MORTGAGE, INC. 1 6.49% $17,530
    First Heritage Mortgage, LLC 1 6.00% $13,529
    Fulton Bank 1 5.75% $7,888
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.63% $10,135
    Integrity Home Mortgage Corp 1 5.63% $21,634
    LADERA LENDING, INC. 1 5.75% $13,843
    MEMBER FIRST MORTGAGE, LLC 1 6.38% $9,151
    MILLENNIUM FINANCIAL GROUP, INC. 1 6.75% $8,595
    NATIONS DIRECT MORTGAGE, LLC 1 5.75% $19,328
    PLANET HOME LENDING, LLC 1 6.75% $10,550
    PLAZA HOME MORTGAGE, INC. 1 6.49% $7,349
    PNC Bank 1 7.25% $11,747
    POLARIS HOME FUNDING CORP. 1 6.50% $9,583

    The top Gettysburg FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 27 FHA loans originated. Their average total fees are $13,501, which is $2,700 higher than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

    The lowest fee Gettysburg FHA lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC ($10,801), QUICKEN LOANS, LLC ($13,501), UNITED WHOLESALE MORTGAGE, LLC ($15,088), .

    The lowest rate Gettysburg FHA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.08%), QUICKEN LOANS, LLC (6.23%), CROSSCOUNTRY MORTGAGE, LLC (6.79%), .

    Gettysburg FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    GETTYSBURG, PA ADAMS 2022 $420,680 $538,650 $651,050 $809,150
    GETTYSBURG, PA ADAMS 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Gettysburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $224,900 (2.3%) $275,359 (6.5%) 0.00 402
    2018-02-01 $224,900 (0.0%) $276,214 (5.0%) 0.00 396
    2018-03-01 $229,900 (0.0%) $277,529 (0.7%) 0.00 412
    2018-04-01 $232,680 (-1.0%) $269,697 (-5.8%) 0.00 411
    2018-05-01 $239,900 (3.1%) $279,622 (-1.0%) 0.00 420
    2018-06-01 $239,000 (1.7%) $276,796 (-4.1%) 0.00 439
    2018-07-01 $242,450 (1.1%) $280,439 (-4.0%) 0.00 426
    2018-08-01 $248,750 (5.9%) $285,132 (-2.3%) 0.00 407
    2018-09-01 $234,895 (-1.7%) $275,129 (-8.4%) 0.00 417
    2018-10-01 $228,400 (-0.9%) $270,002 (-9.1%) 0.00 400
    2018-11-01 $224,900 (-0.9%) $271,889 (-6.7%) 0.00 389
    2018-12-01 $224,330 (0.9%) $263,785 (-6.9%) 0.00 355
    2019-01-01 $222,400 (-1.1%) $266,465 (-3.2%) 0.00 314
    2019-02-01 $229,900 (2.2%) $271,938 (-1.6%) 0.00 329
    2019-03-01 $238,471 (3.7%) $275,856 (-0.6%) 0.00 330
    2019-04-01 $244,246 (5.0%) $282,076 (4.6%) 0.00 355
    2019-05-01 $252,690 (5.3%) $297,767 (6.5%) 0.00 392
    2019-06-01 $249,900 (4.6%) $294,150 (6.3%) 0.00 397
    2019-07-01 $249,900 (3.1%) $299,603 (6.8%) 0.00 407
    2019-08-01 $251,973 (1.3%) $305,608 (7.2%) 0.00 396
    2019-09-01 $256,432 (9.2%) $312,469 (13.6%) 0.00 379
    2019-10-01 $254,454 (11.4%) $318,084 (17.8%) 0.00 359
    2019-11-01 $254,900 (13.3%) $321,741 (18.3%) 0.00 335
    2019-12-01 $259,100 (15.5%) $320,029 (21.3%) 0.00 292
    2020-01-01 $259,900 (16.9%) $322,450 (21.0%) 0.00 270
    2020-02-01 $264,950 (15.3%) $316,358 (16.3%) 0.00 273
    2020-03-01 $277,857 (16.5%) $348,984 (26.5%) 0.00 261
    2020-04-01 $278,332 (14.0%) $358,536 (27.1%) 0.00 240
    2020-05-01 $279,600 (10.7%) $354,829 (19.2%) 0.00 256
    2020-06-01 $291,175 (16.5%) $358,293 (21.8%) 0.00 245
    2020-07-01 $301,975 (20.8%) $388,401 (29.6%) 0.00 197
    2020-08-01 $305,000 (21.0%) $398,155 (30.3%) 0.00 192
    2020-09-01 $320,195 (24.9%) $410,211 (31.3%) 0.00 188
    2020-10-01 $318,590 (25.2%) $400,052 (25.8%) 0.00 176
    2020-11-01 $327,948 (28.7%) $407,567 (26.7%) 0.00 171
    2020-12-01 $327,562 (26.4%) $405,753 (26.8%) 0.00 160
    2021-01-01 $329,900 (26.9%) $404,951 (25.6%) 0.00 147
    2021-02-01 $332,753 (25.6%) $396,879 (25.5%) 0.00 124
    2021-03-01 $328,626 (18.3%) $353,119 (1.2%) 0.00 127
    2021-04-01 $338,629 (21.7%) $355,737 (-0.8%) 0.00 113
    2021-05-01 $353,438 (26.4%) $360,935 (1.7%) 0.00 118
    2021-06-01 $358,791 (23.2%) $364,231 (1.7%) 0.00 131
    2021-07-01 $345,000 (14.3%) $361,579 (-6.9%) 0.00 136
    2021-08-01 $325,744 (6.8%) $341,200 (-14.3%) 0.00 145
    2021-09-01 $312,975 (-2.3%) $337,463 (-17.7%) 0.00 131
    2021-10-01 $315,900 (-0.8%) $335,756 (-16.1%) 0.00 138
    2021-11-01 $321,225 (-2.1%) $336,004 (-17.6%) 0.00 121
    2021-12-01 $333,500 (1.8%) $338,050 (-16.7%) 0.00 105
    2022-01-01 $356,513 (8.1%) $370,891 (-8.4%) 0.00 110
    2022-02-01 $372,490 (11.9%) $442,836 (11.6%) 0.00 121
    2022-03-01 $378,191 (15.1%) $477,084 (35.1%) 0.00 121
    2022-04-01 $375,000 (10.7%) $465,451 (30.8%) 0.00 127
    2022-05-01 $376,238 (6.5%) $430,792 (19.4%) 0.00 147
    2022-06-01 $367,762 (2.5%) $383,691 (5.3%) 0.00 155
    2022-07-01 $350,000 (1.5%) $423,790 (17.2%) 0.00 163
    2022-08-01 $359,929 (10.5%) $420,432 (23.2%) 0.00 178
    2022-09-01 $380,000 (21.4%) $439,906 (30.4%) 0.00 169
    2022-10-01 $374,900 (18.7%) $441,576 (31.5%) 0.00 158
    2022-11-01 $358,535 (11.6%) $443,538 (32.0%) 0.00 158
    2022-12-01 $349,900 (4.9%) $434,238 (28.5%) 0.00 136
    2023-01-01 $377,650 (5.9%) $439,526 (18.5%) 0.00 120
    2023-02-01 $389,925 (4.7%) $441,696 (-0.3%) 0.00 116
    2023-03-01 $399,342 (5.6%) $461,101 (-3.4%) 0.00 112
    2023-04-01 $399,995 (6.7%) $474,832 (2.0%) 0.00 112
    2023-05-01 $399,923 (6.3%) $453,290 (5.2%) 0.00 123
    2023-06-01 $403,686 (9.8%) $453,218 (18.1%) 0.00 119
    2023-07-01 $399,990 (14.3%) $455,260 (7.4%) 0.00 110
    2023-08-01 $405,723 (12.7%) $469,325 (11.6%) 0.00 118
    2023-09-01 $399,900 (5.2%) $468,846 (6.6%) 0.00 135
    2023-10-01 $397,927 (6.1%) $443,996 (0.6%) 0.00 144
    2023-11-01 $399,135 (11.3%) $420,058 (-5.3%) 0.00 152
    2023-12-01 $382,445 (9.3%) $408,033 (-6.0%) 0.00 146
    2024-01-01 $399,900 (5.9%) $411,043 (-6.5%) 0.00 125
    2024-02-01 $399,900 (2.6%) $431,909 (-2.2%) 0.00 117
    2024-03-01 $399,900 (0.1%) $429,646 (-6.8%) 0.00 124
    2024-04-01 $399,900 (0.0%) $437,083 (-8.0%) 0.00 129
    2024-05-01 $412,473 (3.1%) $455,652 (0.5%) 0.00 137
    2024-06-01 $410,000 (1.6%) $455,867 (0.6%) 0.00 150
    2024-07-01 $419,223 (4.8%) $458,640 (0.7%) 0.00 156
    2024-08-01 $404,990 (-0.2%) $459,273 (-2.1%) 0.00 160
    2024-09-01 $407,740 (2.0%) $447,371 (-4.6%) 0.00 159
    2024-10-01 $401,970 (1.0%) $445,887 (0.4%) 0.00 170
    2024-11-01 $399,945 (0.2%) $437,362 (4.1%) 0.00 177
    2024-12-01 $399,900 (4.6%) $417,282 (2.3%) 0.00 162
    2025-01-01 $399,900 (0.0%) $406,476 (-1.1%) 0.00 144
    2025-02-01 $399,675 (-0.1%) $403,562 (-6.6%) 0.00 154
    2025-03-01 $409,900 (2.5%) $427,876 (-0.4%) 0.00 162
    2025-04-01 $423,495 (5.9%) $445,449 (1.9%) 0.00 190
    Gettysburg's median listing price for 2025-04-01 was $423,495, a difference of $23,595 (5.9%) versus the prior year and $13,595 versus the prior month.

    Gettysburg's median listing price comes in at 0% of the national average.

    Gettysburg's average listing price for 2025-04-01 was $445,449, a difference of $8,366 (1.9%) versus the prior year and $17,573 versus the prior month.

    For the 2025-04-01 period, Gettysburg had 190 MLS listings, a difference of 28 listings (17%) versus the prior month and 61 listings (47%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Gettysburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,721 sqft
    2018-02-01 0 days 1,725 sqft
    2018-03-01 0 days 1,748 sqft
    2018-04-01 0 days 1,771 sqft
    2018-05-01 0 days 1,797 sqft
    2018-06-01 0 days 1,944 sqft
    2018-07-01 0 days 1,943 sqft
    2018-08-01 0 days 1,943 sqft
    2018-09-01 0 days 1,893 sqft
    2018-10-01 0 days 1,913 sqft
    2018-11-01 0 days 1,901 sqft
    2018-12-01 0 days 1,872 sqft
    2019-01-01 0 days 1,881 sqft
    2019-02-01 0 days 1,902 sqft
    2019-03-01 0 days 1,921 sqft
    2019-04-01 0 days 1,964 sqft
    2019-05-01 0 days 1,983 sqft
    2019-06-01 0 days 1,970 sqft
    2019-07-01 0 days 1,982 sqft
    2019-08-01 0 days 1,983 sqft
    2019-09-01 0 days 1,992 sqft
    2019-10-01 0 days 1,995 sqft
    2019-11-01 0 days 1,992 sqft
    2019-12-01 0 days 1,982 sqft
    2020-01-01 0 days 1,948 sqft
    2020-02-01 0 days 1,992 sqft
    2020-03-01 0 days 1,992 sqft
    2020-04-01 0 days 1,982 sqft
    2020-05-01 0 days 1,958 sqft
    2020-06-01 0 days 1,956 sqft
    2020-07-01 0 days 1,952 sqft
    2020-08-01 0 days 1,946 sqft
    2020-09-01 0 days 1,946 sqft
    2020-10-01 0 days 2,016 sqft
    2020-11-01 0 days 2,036 sqft
    2020-12-01 0 days 1,975 sqft
    2021-01-01 0 days 1,950 sqft
    2021-02-01 0 days 1,950 sqft
    2021-03-01 0 days 1,934 sqft
    2021-04-01 0 days 1,991 sqft
    2021-05-01 0 days 2,000 sqft
    2021-06-01 0 days 2,029 sqft
    2021-07-01 0 days 2,066 sqft
    2021-08-01 0 days 1,968 sqft
    2021-09-01 0 days 1,965 sqft
    2021-10-01 0 days 1,962 sqft
    2021-11-01 0 days 1,922 sqft
    2021-12-01 0 days 1,904 sqft
    2022-01-01 0 days 1,957 sqft
    2022-02-01 0 days 1,962 sqft
    2022-03-01 0 days 1,958 sqft
    2022-04-01 0 days 1,957 sqft
    2022-05-01 0 days 1,970 sqft
    2022-06-01 0 days 1,970 sqft
    2022-07-01 0 days 1,973 sqft
    2022-08-01 0 days 1,967 sqft
    2022-09-01 0 days 2,009 sqft
    2022-10-01 0 days 1,984 sqft
    2022-11-01 0 days 1,962 sqft
    2022-12-01 0 days 1,967 sqft
    2023-01-01 0 days 1,989 sqft
    2023-02-01 0 days 1,969 sqft
    2023-03-01 0 days 1,969 sqft
    2023-04-01 0 days 2,009 sqft
    2023-05-01 0 days 2,018 sqft
    2023-06-01 0 days 2,039 sqft
    2023-07-01 0 days 2,021 sqft
    2023-08-01 0 days 1,988 sqft
    2023-09-01 0 days 1,944 sqft
    2023-10-01 0 days 1,936 sqft
    2023-11-01 0 days 1,900 sqft
    2023-12-01 0 days 1,868 sqft
    2024-01-01 0 days 1,863 sqft
    2024-02-01 0 days 1,859 sqft
    2024-03-01 0 days 1,872 sqft
    2024-04-01 0 days 1,871 sqft
    2024-05-01 0 days 1,948 sqft
    2024-06-01 0 days 1,980 sqft
    2024-07-01 0 days 1,990 sqft
    2024-08-01 0 days 1,984 sqft
    2024-09-01 0 days 1,996 sqft
    2024-10-01 0 days 2,013 sqft
    2024-11-01 0 days 2,009 sqft
    2024-12-01 0 days 1,935 sqft
    2025-01-01 0 days 1,898 sqft
    2025-02-01 0 days 1,921 sqft
    2025-03-01 0 days 1,944 sqft
    2025-04-01 0 days 2,023 sqft
    Gettysburg's median listing age (time on market) for 2025-04-01 was 0 days.

    Gettysburg's median square footage for active listings during the 2025-04-01 period was 2,023 sqft. One year prior, the average listing was 1,871 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).