For the year 2026, the USDA loan limit in Somerset, within the county of Somerset, PA, has been set at $336,500. In contrast, the FHA cap for single-family homes is $472,030.
Using Lendersa®'s USDA loan calculator, you can compare leading USDA rates with FHA rates as of today, also determining income, credit, reserves, and document requirements for eligibility. Our state-of-the-art mortgage calculator juxtaposes USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program for your financial needs in .
2026 Loan Limits and Down Payment Specifications in Somerset, Somerset County, PA
Loan Type
Maximum Limit
Down Payment Required
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Somerset, PA
At Lendersa®, our priority is to secure the optimal USDA or FHA loan for you, efficiently and without hassle. Choose from one of three routes to align with lenders and USDA loan programs that meet your needs.
A USDA home loan, ensured by the Department of Agriculture, often referred to as a USDA rural development loan or mortgage, is available exclusively in rural areas. This type of mortgage uniquely requires no down payment, unlike FHA loans which need at least 3.5% upfront.
Our mission as an independent community bank has remained unchanged for over 130 years. We are committed to providing excellent service and competitive products as well as maintaining a high profile in the growth and economic development of the markets we serve. We're a team of banking professionals, that happen to be your neighbors and friends.
Fort Ligonier FCU was established in 1958 for the benefit of all the employees of Ligonier Valley School District. At that time the employees saw a need for a local credit union where the members could save and borrow money locally. The credit union has assets totaling $3.08 Million and provides banking services to more than 400 members.
Westmoreland Financial Services of Pennsylvania Inc. is a mortgage broker committed to providing businesses and consumers with individual attention and professional financial solutions. We deliver superior personal service in a consolidation financial services environment which increasingly deemphasized service.
This financial cooperative exists to provide loan, deposit and member-oriented services to its' defined membership with a high level of quality and efficiency. Our objectives are to 1. promote thrift among its' members by offering to them a means of making safe and regular investments; and 2. to enable its' members to obtain loans.
Our services are similar to a bank, we are a non-profit financial institution operating strictly for the benefit of our members. We strive to provide our members with higher yields on savings and lower rates on loans. Founded in 1939, our goal is to help each and every member attain a strong and secure financial future.
HealthCare First Credit Union’s Field of Membership is open to any person working in the health care field in the Tri-County of Cambria, Somerset and Blair Counties, Pennsylvania. This includes, but is not limited to, employees, doctors, medical staff, technicians, volunteers under hospital staff supervision.
Commercial Bank & Trust of PA opened its doors for business in May 1934 at the Latrobe office of the former Peoples National Bank, a building that serves still today as the bank's main retail office and administrative headquarters. The bank was organized with a total capitalization of $193,250. Founding directors were L.B. Berlin, Michael Charley.
Westmoreland Federal Savings is one of approximately 600 institutions nationwide that has chosen to remain an independent and community focused Mutual Savings Bank. We hold true to the original beliefs of thrift, conservatism and putting our depositors first. While we uphold tradition, we also realize the need.
VASCO Federal Credit Union was formed in 1967 by employees of the Vanadium Alloyed Steel Company in Latrobe. Today, we strive to serve the financial needs of the little guy. We serve over thirty employee groups in the Greater Latrobe area. We currently have nearly 2000 members and hold $24 million in assets.
