USDA and FHA Pro and Con in Oakland, Butler County, PA

In 2025, the USDA loan limit in Oakland, situated in Butler county, PA, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Utilize Lendersa® USDA loan calculator to compare today's prime USDA against FHA rates and discern the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the best program in for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Oakland, Butler, PA

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

USDA and FHA Loan Opportunities in Oakland, PA

The goal of Lendersa® is to provide you with the best available USDA or FHA loan quickly and with ease. Select one of the three starting points to link with lenders and USDA loan programs.

USDA loan request and match results from Lendersa

Understanding USDA Loans in PA

A USDA home loan, backed by the government Department of Agriculture, also called a USDA rural development loan, is meant for rural areas. Unlike FHA loans, which require a 3.5% down payment, the USDA mortgage demands none.

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



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  • The American Veteran Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • 1st Veteran Mortgage Inc
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  • 1st Veteran Mortgage Inc is the right choice for your full-service real estate financing needs. Our services range from residential, commercial mortgage, realty services and financial consulting. We pride ourselves on truly encompassing what it means to be a full-service mortgage brokerage.
  • Virtue Loan Center
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  • Sunset Mortgage brings together the experience of some of the top mortgage, management and supervisory talent available. Darin Moore, with over 25 years in mortgage funding and underwriting, corporate planning, loan servicing and accounting, leads the Sunset Mortgage team.Sunset Mortgage has been funding private money real estate loans since 1991.
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  • Aces Jewelry and Loan
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