USDA and FHA Pro and Con in Philipsburg, Centre County, PA

In 2026, the USDA loan limit in Philipsburg, an area within Centre county, PA, is set at $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.

Utilize Lendersa® USDA loan calculator to compare current USDA versus FHA best rates and discover the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options together, helping you decide which program in suits your financial needs best.

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2026 Loan Limits and Down Payment Requirements in Philipsburg, Centre, PA

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

Options for USDA and FHA Loans in Philipsburg, PA

Lendersa® aims to secure the optimal USDA or FHA loan for you swiftly and effortlessly. Choose among three starting options to find matching lenders and USDA loan programs.

Lendersa USDA loan query and matching outcomes

What Is a USDA Loan in PA?

A USDA home loan, also known as a USDA rural development loan, is guaranteed by the government's Department of Agriculture. It is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



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