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Two Government-Backed Options for Rural Buyers

If you are buying a home in rural Pennsylvania, you may qualify for both FHA and USDA loans. Each program is backed by a different federal agency (HUD for FHA, the U.S. Department of Agriculture for USDA) and has distinct advantages. Understanding the differences can help you choose the financing that best fits your situation.

Down Payment

This is the single biggest advantage of USDA loans. If you qualify and your property is in an eligible rural area, USDA can save you thousands at closing.

Location Eligibility

Many Pennsylvania counties, particularly those in central, northern, and western parts of the state, have extensive USDA-eligible areas. Counties such as Tioga, Potter, McKean, Elk, Cameron, and Sullivan are almost entirely USDA-eligible.

Income Limits

Mortgage Insurance Comparison

Over the life of the loan, USDA's lower annual fee can save borrowers thousands of dollars compared to FHA.

Which Should You Choose?

Choose USDA if: Your property is in an eligible rural area, your household income is within USDA limits, and you want to avoid a down payment.

Choose FHA if: Your property is not in a USDA-eligible area, your household income exceeds USDA limits, you have a lower credit score (USDA typically requires 640+), or you want to purchase a multi-unit property (USDA is limited to single-family).

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