USDA Vs. FHA Pro and Con comparison in St.-Marys, Elk County, PA

For 2025, the USDA loan limit in St.-Marys, within the county of Elk, PA, amounts to $285,000. Meanwhile, the limit for an FHA loan on a single-family house is $356,362.

Utilize Lendersa®'s USDA loan calculator to compare the top USDA and FHA interest rates available today. Identify the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, guiding you to pick the best program for your financial situation in Alabama.

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Exploring 2025 Loan Limits and Down Payment Requirements in St.-Marys, Elk County, PA

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

Navigating USDA and FHA Loan Options in St.-Marys, PA

The mission of Lendersa® is to efficiently secure the most favorable USDA or FHA loan for you, with minimal hassle. Begin with one of three approaches to connect with matching lenders and USDA loan programs tailored to your specific needs.

Lendersa USDA loan request and matching results

Deciphering USDA Loans in PA

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is specifically designed for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment, offering broader accessibility.

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



  • First Banc Home Loans
  • 10802 Downey Ave, Downey, CA, 90241
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Downey Capital Mortgage Inc.
  • 8255 Firestone Boulevard, Suite 101B, Downey, CA, 90241
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Escala Financial
  • 8255 Firestone Boulevard, Suite 301, Downey, CA, 90241
  • Escala Financial, your trusted guide through the sometimes confusing and murky waters of home loans. Since our founding in 2009, we have helped hundreds of families through personalized service and programs that achieve their personal financial goals. Whether you’re a new home buyer, want to refinance or are ready to retire.
  • El Camino Mortgage
  • 8141 Firestone Boulevard, Downey, CA, 90241
  • "Adriana Verduzco began her Real Estate / Mortgage Career in 1999 and remains dedicated to serving the members of the Los Angeles County and surrounding areas. In 2006, Adriana became owner of El Camino Real Estate Investments and El Camino Mortgage. Adriana is continually among those at the pinnacle in Real Estate Sales"
  • Square Lending
  • 10237 Hopeland Avenue, Downey, CA, 90241
  • We're a growing team covering all corners of Southern California. Beyond passionate about all things real estate, we're determined to changing how the industry operates. We strive for seamless experiences & to educate our clients to becoming experts in real estate. To put it simple, we love what we do & we're set out to make sure you love it too.
  • MARCAR Real Estate Brokers Corp.
  • 11027 Downey Avenue, Downey, CA, 90241
  • MARCAR Brokers is a family business with over 40 years of combined experience amongst our team. Our team includes real estate brokers and Mortgage Loan Officers and will be able to support your every need during your next transaction. Our team is full of talented individuals that not only have a passion.
  • Real Consultants
  • 8141 2nd Street, Suite 420, Downey, CA, 90241
  • REAL CONSULTANTS MORTGAGE AND REAL ESTATE SERVICES INC., we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans and also We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.
  • G & V Options & Solutions Inc.
  • 10630 Downey Avenue, Suite 100B, Downey, CA, 90241
  • We have a Residential and Commercial Team both are certified for REO’s and Short Sales. We can cover all of our diverse clients’ necessities. Our Expert team includes a Utilities Specialist, Field Representative, License Appraisal / BPO’s Specialist, Transaction Coordinator, Offers Coordinator.
  • Inbanet Real Estate Lending & Investments
  • 8141 2nd St, Suite 347, Downey, CA, 90241
  • Inbanet is a premier direct hard money and non prime lender for commercial and investment residential (strictly for business purpose) properties nationwide with a consortium of strong private label investors, hedge funds, private equity companies and family offices to facilitate quick