USDA and FHA Pro and Con in Mercer, Mercer County, PA

In 2025, the USDA loan limit for Mercer within Mercer county in PA is $336,500, whereas for a single-family home, the FHA limit is $472,030.

Make use of the Lendersa® USDA loan calculator to assess the best rates today for both USDA and FHA loans, and determine the necessary income, credit score, reserves, and paperwork to qualify. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA programs side by side, aiding you in choosing the ideal option in for your specific financial needs.

Explore loan offers from a selection of 100 lenders

2025 Loan Limits and Down Payment Requirements in Mercer, Mercer, 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 Mercer, PA

The primary goal of Lendersa® is to facilitate quick, hassle-free access to the most suitable USDA or FHA loans. Choose among three starting points, each designed to match you with the right lenders and USDA loan programs.

Lendersa USDA loan inquiry and matching results

What is a USDA Loan in PA?

A USDA home loan is a mortgage guaranteed by the U.S. Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and is intended for rural areas only. Unlike FHA loans, which require a minimal 3.5% down payment, USDA loans offer the advantage of requiring no down payment.

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



  • Stearns Bank Holdingford National Association
  • 4140 Thielman Lane, Suite 105, Saint Cloud, MN, 56301
  • Stearns Financial Services Inc. (SFSI) is a well-capitalized, $2.3 billion independent financial holding company based in St. Cloud, MN. Founded in 1912, the bank was acquired by Norm Skalicky in 1964. His daughter Kelly Skalicky became president in 2018, and later was named president and CEO.
  • Great River Federal Credit Union
  • 1532 West St. Germain Street, Saint Cloud, MN, 56301
  • Great River Federal Credit Union is dedicated to serving all members in a confidential and professional manner. We are in business to provide you with convenient and efficient financial services. Our mission is "Building lifelong relationships by providing valuable financial services that our members recommend, benefits the community.
  • Liberty Bank Minnesota
  • 2842 2nd Street S, Saint Cloud, MN, 56301
  • Since 1939, Liberty has been providing quality financial services to Central Minnesota residents. As St. Cloud’s only remaining original bank with continuous family-ownership, we recognize our unique obligation to provide quality service on a first name basis. Our focus is providing retail banking services to individual customers.
  • Jones Home Loan Mortgage LLC
  • 5785 Wilson Blvd, Suite 1, Jacksonville, FL, 32210
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • St. Cloud Mortgage
  • 606 25th Ave South, Suite 101, Saint Cloud, MN, 56301
  • "St. Cloud Mortgage, Inc. can give you an affordable mortgage with outstanding customer service during the entire process. Same-Day Pre-Approvals Refinance Options Credit Assistance Mortgage Brokerage Variety of Home Loan Programs. With all of our home loan programs at St. Cloud Mortgage, Inc."
  • Granite City Mortgage of Saint Cloud Inc
  • 600 25th Ave S, Suite 208, Saint Cloud, MN, 56301
  • Granite City Mortgage has been in Business since April of 1996 serving the local Saint Cloud area and surrounding communities. Granite City Mortgage of St. Cloud offers a variety of mortgage programs, including:* Conventional loans* Government loans* No up-front fees* Zero down programs* Refinancing* Home equity loans* Debt consolidation.
  • Oak Street Financial, Inc.
  • 1919 Blanding Blvd, Suite 10, Jacksonville, FL, 32210
  • In 1998, Alec Boriss opened his mortgage brokerage business at its present location, 2330 Oak Street, in the heart of Jacksonville’s historic district. The business was a lender branch until, in 2004, Alec decided to incorporate Oak Street Financial, Inc. as a Correspondent Lender with license to originate FHA .
  • Central Communications Credit Union
  • 17811 E US Highway 40, Independence, MO, 64055
  • Central Communications Credit Union (originally Telephone Employees Credit Union) was founded in 1934 to serve the financial needs of area telephone employees. Since that time, CCCU has grown to serve many other outstanding companies, including HNTB, AT&T and Faultless Linen Supply, just to name a few.
  • Community Mortgage
  • 19045 E. Valley View Pkwy, Suite F, Independence, MO, 64055
  • "At Community Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use ""common sense"" & will help you obtain the best loan possible. Purchasing a home is probably one of the biggest investments you'll make in your lifetime. We are with you every step
  • Community Mortgage, LLC
  • 19045 E. Valley View Pkwy, Suite F, Independence, MO, 64055
  • At Community Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Alpha Mortgage, LLC
  • 249 SW Noel Street, LeE'S Summit, MO, 64063
  • As a full service residential mortgage company serving both Kansas and Missouri we ensure our clients receive the proper financing when purchasing, refinancing, or using the equity in their home. Our experienced staff of licensed mortgage professionals are here to assist you whether you are buying your first home or purchasing your dream home.
  • A1 Mortgage Group LLC
  • 200 Northwest Executive Way, Lees Summit, MO, 64063
  • Our mission at A1 Mortgage is to present our customers with innovative financial solutions and superior service that will achieve their financial goals, while providing our employees the greatest opportunity for personal achievement. This in return will build a solid foundation for our company and a better future for our community.