USDA Vs. FHA your options comparison in Johnstown, Cambria County, PA
For the year 2025, the USDA loan limit in Johnstown, located in Cambria county of PA, stands at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the best rates between USDA and FHA loans today. Discover the income, credit requirements, reserves, and documentation needed for qualification. With our advanced mortgage calculator, evaluate USDA, FHA, Conforming, and VA programs side by side to determine which option in best suits your financial circumstances.
Loan Limits and Down Payment Requirements for 2025 in Johnstown, Cambria, PA
Type of Loan
Maximum Limit
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Johnstown, PA
The aim of Lendersa® is to swiftly provide you with the most suitable USDA or FHA loan choices, without any hassle. Begin by choosing one of the three initial processes, which match you with the appropriate lenders and USDA loan programs.
A USDA home loan, endorsed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is available strictly in rural areas. Unlike FHA loans requiring a down payment of at least 3.5%, the USDA mortgage does not demand a down payment.
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