Explore the differences! FHA VS Conventional loan programs in Ferguson, Centre County, Pennsylvania

For the year 2026, the conventional loan limit in Ferguson, which is located in the county of Centre, PA, stands at $726,200. Meanwhile, the FHA loan limit is set at $472,030 for a single-family residence. This information delineates the borrowing boundaries for individuals looking to purchase homes in the specified area.

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Leveraging the Lendersa® Conventional loan calculator enables you to compare the prevailing rates for Conventional against FHA and USDA, identifying the best rates available today. It determines necessary specifics such as income, credit requirements, reserve levels, and documents required for qualification. This advanced mortgage calculator places Conforming Conventional loans alongside USDA, FHA, and VA options for a comprehensive side-by-side comparison, assisting you in selecting the optimal program in PA tailored to your specific financial scenario.

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Loan Limits and Down Payment Requirements for 2026 in Ferguson, County of Centre, PA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table is specifically relevant to zip codes: 16868

Exploring Conventional and FHA Loan Options in Ferguson, PA

The ultimate aim at Lendersa® is to secure for you the most suitable loan—be it Conventional, USDA, or FHA—promptly and with minimal hassle. Choose from three foundational pathways designed to align you with appropriate lenders and loan programs that meet your precise needs.

  1. Make the ultimate loan request with optimized options for Conventional, USDA, and FHA
  2. Quickly discover Conventional, USDA, and FHA rates & terms
  3. Utilize the most extensive Conventional lenders database
Lendersa's comprehensive USDA loan request and matching results



  • MONEYLINE LENDING LLC
  • 3913 Market Street, Suite A, Camp Hill, PA, 17011

  • MoneyLine Lending has an excellent track record for providing expert service whether you're looking to purchase a new home or improve cash flow by refinancing.
    Our team here at Moneyline Lending is small but strong. We are driven by our clients and we have a cohesive system which enables us to work within time constraints while still providing.

  • Tidewater Mortgage Services, Inc.
  • 3920 Market Street, Camp Hill, PA, 17011

  • Tidewater, we treat our employees like family. We believe in positive thinking and we take pride in each member of our team and clients. We’re always looking for participating in bigger, better opportunities to achieve all professional and personal goals. We also believe strongly in giving back to the community.

  • S&T BANK
  • 456 Main St, Brockway, PA, 15824

  • S&T Bank was founded in 1902 as Savings and Trust Company of Indiana with a single location in Indiana, Pa. S&T provides a full range of financial services to families and businesses throughout Pennsylvania, Ohio, and New York.

    Our mission is to build relationships with our customers based on mutual confidence, trust, and performance.

  • Kane Mortgage, Inc
  • 4755 Linglestown Road, Suite 205, Harrisburg, PA, 17112

  • Kane Mortgage, Inc. was founded in 2002 by Kane Smeltz. From the humble beginnings where Kane handled all of the various aspects of loan origination to loan closing himself, KMI has grown to a staff of nine. The KMI staff includes the Owner, four Mortgage Originators, two Processors, a Human Resource Manager and a Client Relations Specialist.

  • The Gratz Bank
  • 32 West Market Street, Gratz, PA, 17030

  • The Gratz Bank! With the commitment to carry forward unparalleled client service, The Gratz Bank is honored to positively impact lives. We assure you that our mission to execute a significant client experience and competitive product offering will continue to grow as our business expands.

  • HomePromise Corporation
  • 60 South Washington Street, Suite 106, Greencastle, PA, 17225

  • HomePromise helps you find the loan that is right for you.We make the entire lending process easy, fast, & more efficient—& we do it all with a passion for helping you get the money you need & the respect you deserve.Whether you want to pay off high interest credit cards, refinance, or simply need cash, HomePromise can help you get the loan you nee

  • New Cumberland Federal Credit Union
  • 345 Lewisberry Road, New Cumberland, PA, 17070

  • NCFCU is a full-service, not-for-profit, member-owned financial institution. Unlike profit-driven banks that benefit only a small number of stockholders, we return excess earnings to all of our members in the form of lower interest rates for loans, higher yields on savings and investment accounts, and by adding new financial products and services.

  • Blue Chip Federal Credit Union
  • 5050 Derry Street, Harrisburg, PA, 17111

  • Founded in 1948 as RDG Harrisburg Credit Union to serve the financial needs of railroad workers in central PA. In 1976, we changed our name to CenPennRail Credit Union when we amended our charter to include employees of AMTRAK & CONRAIL who worked in central PA. At this time, family relatives of members became an important part of the credit union.

  • Belco Community Credit Union
  • 449 Eisenhower Boulevard, Suite 200, Harrisburg, PA, 17111

  • Belco Community Credit Union was organized in 1939 as a federally chartered credit union, serving the employees of Bell Telephone Company of Harrisburg, Pennsylvania. Belco's conversion to a state chartered credit union in 1997 opened the doors to expanding services to other businesses in Central Pennsylvania.

  • Indiana First Savings Bank
  • 935 Philadelphia Street, Indiana, PA, 15701

  • InFirst Bank has a served the financial needs for local communities as an independent bank for 100 years. We have proudly remained headquartered in downtown Indiana since we opened in 1922. Originally chartered as a mutual institution, InFirst Bank was initially known as Indiana County Building & Loan Association.

  • Marion Center Bank
  • 1271 Indian Springs Rd., Indiana, PA, 15701

  • Marion Center National Bank opened its doors during the summer of 1905. These one hundred plus years have seen many landmark events. When President Roosevelt ordered all banks to close on March 4, 1933 for the “Bank Holiday, ” MCNB pulled its door blind down half way and continued to operate.

  • First Commonwealth Bank
  • 601 Philadelphia St, Indiana, PA, 15701

  • We know why we’re here: to put you first. We do it by building long-term relationships with our customers and our employees. By reaching out to the communities we live and work in. By listening and helping to find the best solutions to get you to your financial goals.

    Our success is built on creating an authentic community banking experience
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