USDA VS FHA 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?



  • East Coast Commercial, Inc.
  • 333 Metro Park, Suite M207, Rochester, NY, 14623
  • East Coast Commercial. is a commercial mortgage banking company that structures, arranges, & closes commercial mortgages for acquisitions, refinances & refurbishment projects for developers throughout the United States and Canada. East Coast Commercial, provides you with the most competitive financing for your next commercial real estate project.
  • Pittsford Federal Credit Union
  • 20 Tobey Village Road, Pittsford, NY, 14534
  • Pittsford Federal Credit Union has now served members for 48 years, providing financial information resources, competitive products, and outstanding service. The Credit Union continues to grow and is currently among the largest five credit unions in the Greater Rochester area. In December, we reached $380 Million in assets.
  • Rochester Home Equity Inc
  • 180 Office Park Way, Suite 2000, Pittsford, NY, 14534
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • The Summit Federal Credit Union
  • 100 Marina Drive, Rochester, NY, 14624
  • The Summit has one of the highest employee retention rates in the industry. It truly cares about its employees, helping them to achieve their personal and professional goals. At The Summit, we are committed to creating an inclusive professional environment where individual differences are respected and valued.
  • St Pius Federal Credit Union
  • 2998 Chili Avenue, Rochester, NY, 14624
  • St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • Rochester Area State Employees Federal Credit Union
  • 2300 Buffalo Road, Building 400B, Rochester, NY, 14624
  • Rochester Area State Employees Federal Credit Union has been open since 1935. The credit union has assets totaling $18.05 Million. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state, and local government employees.
  • Gates Chili Federal Credit Union
  • 2870 Buffalo Road, Rochester, NY, 14624
  • In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
  • All NY Funding Inc
  • 3900 Buffalo Road, Rochester, NY, 14624
  • "At All NY Funding Inc We’ll need some basic information to get started! Your name, mailing address, e-mail, phone number, and the property on which you hold collateral. It’s that simple to get started… We then do a quick look up to determine whether or not we can help you with your needs."
  • Blue Chip Federal Credit Union
  • 5050 Derry Street, Harrisburg, PA, 17111
  • Founded in 1948 as RDG Harrisburg Credit Union to serve the financial needs of railroad workers in central PA. In 1976, we changed our name to CenPennRail Credit Union when we amended our charter to include employees of AMTRAK & CONRAIL who worked in central PA. At this time, family relatives of members became an important part of the credit union.