USDA Vs. FHA Pro and Con comparison in St.-Clair, Schuylkill County, PA

In 2025, the USDA loan limit in St.-Clair, located in Schuylkill County, PA, is $285,000. In contrast, the FHA loan limit for a single-family home is $356,362.

Utilize Lendersa® USDA loan calculator to gauge the best rates available between USDA and FHA loans today, and identify the income, credit, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans to aid you in selecting the best program for your financial situation in Alabama.

Compare loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in St.-Clair, Schuylkill County, PA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in St.-Clair, PA

At Lendersa®, our goal is quickly to bring you the most favorable USDA or FHA loan with ease. Choose one of three starting points to match with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in PA

A USDA home loan, backed by the Department of Agriculture—alternatively referred to as a USDA Rural Development Loan or USDA Mortgage—is exclusively available in rural areas. Unlike FHA loans, which mandate a minimum 3.5% down payment, USDA loans require no down payment at all.

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



  • Sweetwater Mortgage Company
  • 12010 Miramar Shores Dr, Houston, TX, 77065
  • Sweetwater Mortgage Company’s Mission is to become the “best” mortgage company in the industry. By “best”, we do not mean the biggest. Instead our mission is to become the “most excellent” mortgage company in our industry. We want to be the “best of the best” within our industry similar to the “Navy Seals” or the “Green Berets.
  • Texas Top Mortgage
  • 2525 Robinhood, Suite 1100, Houston, TX, 77005
  • We are a full service mortgage company serving the state of Texas. We specialize in all residential and commercial loans! Whether you are buying a home or refinancing, we can help you and we specialized in Conventional | FHA | VA | USDA | Jumbo | Construction, Cash Out | Streamline | Conventional | HARP | Reverse Mortgage | Commercial | and more
  • LJC Financial LLC
  • #B 4123 Purdue, Houston, TX, 77005
  • Asset based lender serving clients since 2007. We provide competitive financing for acquisitions, fix ‘n flips, cash-out refinancing, long term rental properties and ground up construction with terms up to 36 months. We offer programs for borrower’s with or without bad credit. Minimum loan amount: $75,000. Maximum: $2,000,000.
  • Caroline Lending
  • 24 Greenway Plaza, Houston, TX, 77027
  • Founded in 2012, Caroline Lending focuses on providing fast and easy financing solutions for real estate investors. We have financed thousands of property rehabs in various counties and states around the country. We have also financed many new construction projects as well as bridge loans on commercial properties.
  • Priority Investor Loans
  • 3100 Weslayan St, Houston, TX, 77027
  • PIL is a private lender formed in 2008 by Geoffrey Giering and Dimitri Ang. PIL issues bridge loans for the acquisition and rehabilitation of distressed residential, multifamily, and commercial real estate, as well as to provide opportunistic financing for real estate development and construction in Texas. These loans finance a borrower’s “fix and
  • Gold Quest Group LLC
  • 1001 West Loop South, Suite 803, Houston, TX, 77027
  • Gold Quest Group, LLC.™ We are a full service Residential, Commercial, and direct Hard Money lender and Brokerage Firm. WE LITERALLY HAVE EVERY SINGLE AVAILABLE MORTGAGE PRODUCTS WITH GREAT RATES IN THE MARKET: FHA, VA, FANNIE MAE, FREDDIE MAC, USDA, SBA and Hard Money Loans. We have available as well, all type of GRANT PROGRAMS for first time
  • ZeusLending
  • 3104 Edloe Street, Suite 210, Houston, TX, 77027
  • ZeusLending.com is ranked as one of the fastest growing companies in the United States by Inc. Magazine and the Houston Business Journal. Our team of experts is regularly interviewed by ABC, CBS, FOX, CNN, and Bloomberg News on the real estate and mortgage markets. This knowledge and influence ultimately translates
  • ODYSSEY MORTGAGE CORPORATION
  • 2500 West Loop S, Suite 300, Houston, TX, 77027
  • Our mortgage professionals have the knowledge and experience to get your loan closed fast, and at the lowest rate possible. Our goal is to make the loan process streamlined. and we keep our clients informed every step of the way. At Odyssey Mortgage, we care about you. We're not like the banks - we provide personal attention
  • Secure Mortgage Company
  • 2500 West Loop South, Suite 250, Houston, TX, 77027
  • Secure Financial Services, Inc. d/b/a Secure Mortgage Company is a mortgage company that primarily services the Greater Houston home loan market place, including Houston, Sugarland, Katy, Galveston, Conroe, and all points in-between. We are licensed throughout Texas and we are also licensed to do loans in Washington state and Colorado.