USDA Vs. FHA Pro and Con comparison in Ligonier, Westmoreland County, PA

As of 2025, the USDA loan limit in Ligonier, which is part of Westmoreland county, PA, is $336,500, while the FHA maximum for a single-family home is $472,030.

Use Lendersa® USDA loan calculator to compare today's prime USDA versus FHA rates, figuring out the income, credit, reserves, and documents necessary to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping determine the best program for your financial scenario in .

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2025 Loan Limits and Down Payment Requirements in Ligonier, Westmoreland, PA

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

USDA and FHA Loan Options in Ligonier, PA

Lendersa® is dedicated to swiftly securing the optimal USDA or FHA loan for you, without unnecessary hassle. Choose from three starting strategies that connect you with appropriate lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Defining USDA Loans in PA

A USDA home loan, guaranteed by the government Department of Agriculture and also known as a USDA rural development loan or mortgage, is intended exclusively for rural areas. Unlike FHA loans, which demand a minimum of a 3.5% down payment, the USDA mortgage requires no down payment at all, offering a significant advantage.

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



  • Vista Mortgage
  • 522 N New Hampshire St, Suite 7, Covington, LA, 70433
  • Vista Mortgage offers over 20 years of mortgage lending experience! Our goal is to make the mortgage process simple and stress free. We strive to be there for our clients, and can be reached after hours if neccassary! We are here to make the mortgage process as simple as possible for all of our clients.
  • Arbor Lending
  • 5001 Hwy 190, Suite B5, Covington, LA, 70433
  • We've been helping customers afford the home of their dreams for many years and we love what we do. There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.
  • Ace Mortgage Company
  • 711 River Highlands Blvd., Covington, LA, 70433
  • At Ace Mortgage Company, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Keavy Group LLC
  • 15176 91st Terrace N, Jupiter, FL, 33478
  • Full Service Real Estate Brokerage & Mortgage Business. We help you buy & sell businesses. Buy and Sell Commercial & Residential Real Estate. On the Real Estate / Business side: A Realtor and Broker we've secured transactions- tiny to multi Million. We know numbers, because of our financing side. We find diamonds in the rough.
  • Central National Bank Poteau, OK
  • 209 Clayton Ave, Poteau, OK, 74953
  • Central National Bank is clearly evidenced by both it's history and the Bank's position as one of the leading financial institutions in Southeastern Oklahoma. The Bank was chartered March 7, 1901 as The Bank of Poteau. The new bank was capitalized with $25, 000 and showed a $4, 698 profit for the first full year of operations.
  • ABK Financial LLC
  • 12004 Legacy Estates Blvd, Sarasota, FL, 34238
  • "Our quick, easy assistant focuses on your individual needs, Receive purchase information instantly. Refinancing has changed. You can trust our knowledgeable advice and excellent personal service. We love our customers, so feel free to visit during normal business hours. ABK Financial Headquarter in sarasota, FL."
  • Nona Financial LLC
  • 12571 Honore Ave, Apartment 204, Sarasota, FL, 34238
  • Nona Financial has years of experience improving our client's cash flow. We are affiliated with over 50 different financial institutions including aggressive banks, small hedge funds and finance companies. We offer a variety of asset based loans and other alternative financings using both GAP and Non-Gap assets.
  • Tangipahoa Parish Teachers' Credit Union
  • 411 East Oak Street, Amite, LA, 70422
  • Tangipahoa Parish Teachers’ Credit Union filed its original charter to begin operations almost 72 years ago on August 27, 1946. At the time of its organization, the Credit Union had approximately 25 members and had assets in the amount of $256.50. The field of membership included employees of the Tangipahoa Parish School Board.
  • SELH Federal Credit Union
  • 23455 Sparrow Road, Mandeville, LA, 70448
  • SELH Federal Credit Union has been approved for a Charter change to serve the healthcare industry in the cities of Abita Springs, Mandeville, Covington, and Lacombe, LA. This change allows us to offer membership to any worker in the healthcare industry working in any of the cities approved.