USDA Vs. FHA Pro and Con comparison in State-College, Centre County, PA
In 2026, the USDA loan limit for the city of State-College in Centre county of PA is $285,000, whereas the FHA limit for a single-family home stands at $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate and contrast today's prime USDA and FHA rates. Determine essential criteria such as income, credit score, reserves, and necessary documentation for qualification. Our advanced mortgage calculator presents a side-by-side comparison of USDA, FHA, Conforming, and VA loans, guiding you to select the program in that best suits your financial circumstances.
2026 Loan Limits and Downpayment Requirements in State-College, County of Centre, PA
Loan Type
Loan Limit
Down payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Discover USDA and FHA Loan Opportunities in State-College, PA
At Lendersa®, our objective is to secure the most favorable USDA or FHA loans quickly and hassle-free. Choose from three starting points to connect with suitable lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture—also known as a USDA rural development loan or mortgage—is available solely in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment whatsoever, providing a significant financial advantage.
Since 1992, that promise still has not been broken. We intend to keep it that way. While Citizens Community Bank continually adds new products and services to accommodate your needs, such as Internet Banking and Bill Pay, we will never take away the personal service. It is what worked for us
Intercity State Bank is an independent community bank where we approach things differently. We have been serving Schofield & the surrounding areas for 60 years.Originally chartered in the 1952, Intercity has continued to provide the best personal attention to the needs of the citizens & local business community through the changing decades.
We take pride in offering a variety of accounts and services to our customers. Our friendly customer service representatives and experienced lenders will help you choose the option that best fits your needs. Competitive pricing and community banking for over 128 years differentiates BankORION from the competition.
The Bank of Mauston is an independent, locally owned Bank which gives us the ability to make decisions right here so you can get the answers you need, when you need them. Bank of Mauston is a community Bank dedicated to helping our community grow and shattering our customer’s expectation.
Fort McClellan Credit Union has strived to be a trusted resource for our members in achieving a brighter financial future while pursuing their dreams. We believe that our job is doing the right things for the right reasons on behalf of our collective membership. While we certainly must be experts at managing both balance sheet & income statement.
Providence Mortgage PC is a mortgage broker with operations in one state. Providence Mortgage PC offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, reverse and construction mortgages. Providence Mortgage PC is a FREEandCLEAR Certified Bronze Low Rate Lender and Mortgage Program Leader.
Jackson Mortgage Company is a full-service mortgage lender with more than 20 years of experience serving Anniston, Alabama and the surrounding community. Even if you don’t know us by name, you might recognize our “Call My Daddy!” catchphrase and watching Kelsey Jackson, daughter of owner Larry Jackson, grow up on our billboards through the years.
Courtesy First Home Lenders was incorporated on January 29th, 2004 for the purpose of providing our community with quality mortgage products and exemplary service. After spending 23 years in all areas of the financial services industry and additional 4 years specializing in mortgage originations I felt the time was right to open a local
