USDA Vs. FHA your options comparison in Monessen, Westmoreland County, PA
In the year 2025, the USDA loan limit available in Monessen, within the county of Westmoreland, PA, is $336,500, whereas for a single-family home, the FHA limit is set at $472,030.
Make use of the Lendersa® USDA loan calculator to compare current leading rates between USDA versus FHA, and determine the necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, allowing you to decide which choice in suits your specific financial situation best.
Loan Limits and Down Payment Requirements in 2025 for Monessen, Westmoreland, PA
Loan Type
Maximum Loan Limit
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Monessen, PA
The mission of Lendersa® is to ensure you receive the finest USDA or FHA loan available swiftly and effortlessly. Initiate the process by selecting one of three pathways that will pair you with matched lenders and relevant USDA loan programs.
A USDA home loan, also referred to as a USDA mortgage or rural development loan, is guaranteed by the U.S. Department of Agriculture. It's designed for rural areas only. Unlike FHA loans, which mandate at least a 3.5% down payment, USDA loans require no down payment.
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