USDA Loan Vs. FHA loan pro & con Grove-City, Mercer County, PA

For the year 2026, within the boundaries of Grove-City, in the county of Mercer, PA, the USDA loan cap is set at $285,000, whereas the FHA ceiling is $356,362 for purchasing a single-family dwelling.

Utilize the Lendersa® USDA loan calculator to juxtapose the current USDA and FHA rate offerings, allowing you to assess the requirements regarding income, credit score, reserve funds, and necessary documents for eligibility. With our sophisticated mortgage calculator, you can observe a direct comparison of USDA, FHA, Conforming, and VA loans to assist in choosing the most suitable option within for your financial situation.

Available USDA and FHA Loan Options in Grove-City, PA

Lendersa® aims to swiftly connect you with the optimal USDA or FHA loan without unnecessary friction. Choose from three approaches to align with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Defining the USDA Loan in PA

The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is a government-backed loan provided by the Department of Agriculture and is available exclusively in rural areas. In contrast to FHA loans, which necessitate at least a 3.5% down payment, the USDA mortgage eliminates the need for a down payment entirely.

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Grove-City Lenders
(724) 376-7015 Lender's profile and map Mercer County State Bank 712 West Main Street, Grove City, PA, 16127 Lends in Pennsylvania We are an independent financial services company dedicated to the highest level of personal service in all that we do. We are a true community bank with locations throughout Mercer, Crawford, Butler & Venango Counties. For over a century we remain safe, sound and secure. Stop in today and see how we can help you with all of your financial, lending
(724) 458-7520 Lender's profile and map Grove City Area Federal Credit Union 1600 S Center Street Extension, Grove City, PA, 16127 Lends in Pennsylvania The Grove City Area Federal Credit Union is a member owned not-for-profit financial institution. The Credit Union is striving to provide desired financial services and facilities to its members to the best of our ability by offering competitive rates on all our services while maintaining growth and financial stability.
(724) 870-4700 Lender's profile and map Professional Mortgage Group 433 Shady Dr., Grove City, PA, 16127 Lends in Pennsylvania Professional Mortgage Group was established in 1998. We continue to provide personalized service for those interested in purchasing a home or refinance their current mortgage. Here you can use our online tools to learn more about home loans and find the best loan options to suit your needs and goals.
(724) 794-6292 Lender's profile and map SRU FEDERAL CREDIT UNION 100 Arrowhead Drive, Slippery Rock, PA, 16057 Lends in Pennsylvania SRU Federal Credit Union is committed to providing exceptional, personalized service and promoting sound financial practices while maintaining a secure and stable environment for the economic well-being of our members. SRU Federal Credit Union began in 1958 as the Slippery Rock State Teachers College Federal Credit Union.
(440) 255-1199 Lender's profile and map Mortgage Placement Services 226 Mohawk Drive, New Castle, PA, 16105 Lends in Pennsylvania Mortgage Placement Services is a State approved mortgage broker working with the Nation's largest wholesale lending institutions. Our objective is to arrange real estate secured financing for our customers with particular emphasis on creating a favorable overall financial condition for them. Each member of the MPS Staff is a thoroughly trained.
(844) 767-2311 Lender's profile and map The Farmers National Bank of Emlenton 612 Main Street, Emlenton, PA, 16373 Lends in Pennsylvania When we opened our doors in 1900, we did so with the aim of being a bank committed to the community in which we served and lived. Since then we have grown from one small office in Emlenton, Pennsylvania, to 20 community offices located in ten counties across western Pennsylvania and West Virginia.
(724) 658-2686 Lender's profile and map Shenango China Area Federal Credit Union 2656 Ellwood Road, Suite 1, New Castle, PA, 16101 Lends in Pennsylvania SCA Federal Credit Union, formerly known as Shenango China Area FCU, was established in 1935. We currently have 2450 members. We have one office located at 2656 Ellwood Road, Suite 1, New Castle, PA 16101. SCA Federal Credit Union has a dedicated Board of Directors consisting of volunteers elected by the members.
(724) 654-8485 Lender's profile and map New Castle Bellco Federal Credit Union 1011 Wilmington Avenue, New Castle, PA, 16101 Lends in Pennsylvania New Castle Bellco Federal Credit Union is a federally charted, not-for-profit, full service financial institution that is member owned and controlled through a board of directors. The voluntary board is elected by the membership to establish credit union policies and is responsible for the safe and sound operation of the credit union.
(724) 652-5783 Lender's profile and map GNC Community Federal Credit Union 201 South Jefferson Street, New Castle, PA, 16101 Lends in Pennsylvania GNC Community FCU is a strong financial institution with assets of over $ 70, 000, 000 and in many aspects has exceeded the financial norms of and to become a very strong organization. We rank high within our peers in many areas. GNC is a member of the Shenango Valley Chapter of Credit Unions which incorporates over 10 credit unions.