USDA Vs. FHA your options comparison in Ellwood-City, Lawrence County, PA

In 2025, the USDA loan limit for Ellwood-City in the county of Lawrence, PA, is $285,000, while the FHA cap for a single-family home stands at $356,362.

Use the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates and identify the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator tool, USDA, FHA, Conforming, and VA loans are shown side by side, aiding you in selecting the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Ellwood-City, County of Lawrence, PA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA Loans in Ellwood-City, PA

Lendersa® is committed to providing you with the highest caliber USDA or FHA loan quickly, and without hassle. Choose from three initial pathways for matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in PA

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan, is available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Credit Union of Ohio
  • 5500 Britton Pkwy, Hilliard, OH, 43026
  • At Credit Union of Ohio is to improve our members' standards of living and better their lifestyles." That's a unique mission statement for a financial institution. Some strive to be the preferred financial provider for their members or customers. That's nice, but it only addresses success from their side of the equation.
  • Niagara’s Choice Credit Union
  • 3619 Packard Road, Niagara Falls, NY, 14303
  • Niagara’s Choice Credit Union We are a full-service, not-for-profit, financial organization serving over 24, 000 members. The majority of our member base is within Niagara County, we serve members who live across the United States. The credit union was founded in 1953 by a small group of employees of the former Hooker Chemical Company.
  • NFFMECU
  • 615 Main Street, Niagara Falls, NY, 14302
  • NFFMECU provide our members with best possible financial services, stressing personal attention and competitive rates and terms.The NFFMECU has a strong commitment to our members and encourages members to make the Credit Union their primary financial institution. The Credit Union offers very competitive rates and terms and members are encouraged
  • The Blue Grass Valley Bank
  • 2583 Blue Grass Valley Road, Blue Grass, VA, 24413
  • With locations in Blue Grass and Monterey, Virginia, we have been serving our neighbors in Highland County, Virginia, and Pendleton County, West Virginia, as well as surrounding counties, since 1915. We take pride in providing our customers with a level of sincerity and service unlike any other.
  • Amherst Federal Credit Union
  • 6470 Main Street, Suite 5, Amherst, NY, 14221
  • Amherst Teacher’s Federal Credit Union, membership was comprised of employees from our original 46 sponsor groups and their families. For a list of original sponsors, click here. With the addition of new, non-education based sponsor groups in 2003, Amherst Teacher’s FCU modified its name to what we continue as today; Amherst Federal Credit Union.
  • Evans Bank
  • 6460 Main St, Buffalo, NY, 14221
  • Evans Bancorp's wholly owned insurance subsidiary, The Evans Insurance Agency, LLC, provides life insurance, employee benefits, and property and casualty insurance through ten insurance offices in the Western New York region. Evans Investment Services provides non-deposit investment products, such as annuities and mutual funds
  • Rose Hill Group of Wny Ltd
  • 31 Hopkins Road, Suite 200, Buffalo, NY, 14221
  • The Rose Hill Group of WNY Ltd. was founded by Daniel Monte in 2006. Mr. Monte formed the company to serve as a specialty provider of mortgage banking and financial advisory services to commercial real estate developers and lenders. RHG’s employees collectively have over 75 years of experience in real estate financial services.
  • 1st Priority Mortgage, Inc
  • 6000 Sheridan Dr, Williamsville, NY, 14221
  • 1st Priority Mortgage, Inc is committed to delivering a unique process that identifies the best mortgage solution tailored to your individual needs. How do we know our system works? As a company we consistently track and measure our results. We use what works and continually monitor for improvement.
  • Mainstream Funding Network
  • 5586 Main Street, Williamsville, NY, 14221
  • MAINSTREAM FUNDING NETWORK, INC. have provided a remarkably streamlined and personalized application-to-closing experience for thousands of clients. Over the years as we have grown in size, our veteran administrators and staff continue to function in concert with our original philosophy.
  • Banas Mortgage Co., LTD
  • 27 North Long, Buffalo, NY, 14221
  • Very few borrowers are exactly alike. When looking for a home there are many choices. People need to know what is available to them so they can make the best decision possible. There are always numerous choices; however credit, income & down payment are the main criteria.We always encourage our clients to come in before they meet with their realtor
  • FOOTE CAPITAL MORTGAGE COMPANY
  • 17 East High Street, Suite 102, Carlisle, PA, 17013
  • Headquartered in historic downtown Carlisle, Pennsylvania, Foote Capital Mortgage Company is a residential mortgage lender founded in 2006 by veteran bankers Shaun R. Foote and Rebecca Howell Foote. As a direct lender, Foote Capital has the distinct advantage of handling loan processing, underwriting, closing and funding its clients
  • Mifflinburg Bank and Trust Company
  • 250 East Chestnut Street, Mifflinburg, PA, 17844
  • Established in 1872 in Mifflinburg, Pennsylvania, Mifflinburg Bank was founded at a time when the town was heavily involved in the manufacturing of buggies. The booming business of the town and its location along one of the main arteries to the West provided residents good economic times and ample cash and investment opportunities that became the s