USDA Vs. FHA your options comparison in Philipsburg, Centre County, PA

In 2025, USDA loan limit in Philipsburg, county of Centre, PA is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Philipsburg, county of Centre, 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 Philipsburg, PA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Pennsylvania?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • Cincinnati Ohio Police Federal Credit Union is a not-for-profit, full-service financial institution serving Police Officers, Firefighters, Public School and Government employees. COPFCU was started on June 27, 1935 during the Great Depression to serve Cincinnati Police Officers and their families.
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  • Welcome to United Financial Credit Union, established in 1964, your full-service, not-for-profit financial cooperative. We are owned and operated by members – so we comprise a family-like organization. Credit Union, established in 1964, your full-service, not-for-profit financial cooperative.
  • Miami University Community Federal Credit Union
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  • Miami University and Community Federal Credit Union was founded and chartered by Miami University in 1969 and has proudly served Miami University Employees and the Greater Oxford Community for the last 45 years! Being a "for people, not profit" financial institution along with always serving our members individual needs
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  • Carolina Equity Services
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  • Carolina Equity Services Inc
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