USDA and FHA Pro and Con in Houtzdale, Clearfield County, PA

In 2026, the USDA loan limit for Houtzdale, located in Clearfield county, PA, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.

Lendersa®'s USDA loan calculator enables you to compare today's USDA versus FHA optimal rates and assess the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, guiding you to choose the best program in for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Houtzdale, Clearfield, PA

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

Discover USDA and FHA Loan Options in Houtzdale, PA

Lendersa® is committed to securing the best possible USDA or FHA loan for you quickly and without hassle. Choose one of the three starting methods to connect with lenders and appropriate USDA loan programs.

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Understanding USDA Loans in PA

A USDA home loan is insured by the Department of Agriculture, also known as a USDA rural development loan, and is intended for rural areas only. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages do not require any down payment.

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



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