Allegheny County USDA Mortgage
What areas of Allegheny County are eligible for the USDA Rural Development Mortgage Program?
Due to the large Pittsburgh metro area located right smack dab in the middle of the County, the majority of Allegheny County is not geographically eligible for the USDA Mortgage Program.
Surprisingly, there are sections of Allegheny County that are USDA eligible as we head away from the city. The largest region of USDA eligibility in Allegheny County can be found heading west towards Robinson Town Center area in the areas around the Airport. Some other areas of USDA Eligibility can be found west of I-79 in the North Hills, west of Route 28 heading north past Oakmont, and a small pocket down Route 51 around Elizabeth.
USDA Eligible Areas in Allegheny County, Pennsylvania
Allegheny - Western area (west and just south of the Airport)
North Fayette Township
Areas in the Southeast just south of Route 51 past Elizabeth
Areas just North of Route 65 and the Ohio River and West of I-79
Other areas North including areas North of the PA turnpike and West of Route 28
Note: This list is an indicator of USDA Eligible Areas for the County but does not necessarily include every possible eligible area. If you do not see your town listed, Feel Free to Call Us to double check. If you are in an obvious rural area of Allegheny County and do not see your town listed above, you are probably in a USDA Eligible Area.
Allegheny County USDA Household Income Limits
If your Household Income exceeds the figures above you may still be able to fit within the Income limits. The USDA allows for several deductions which may allow your Household Income to fit within their Maximum Adjusted Income Guidelines.
Deductions to reduce your USDA Household Income Calculation
$480 for each minor child living in the household
$480 for any student living in the household who is not on the mortgage application
$400 for each disabled household member who is not on the mortgage application
Documented Child Care Expenses for household members under the age of 13
Documented Medical/Disability Expenses for household members age 62 or older (this deduction is allowable if the expense exceeds 3% of the household income)