Cambria County USDA Loan


What areas of Cambria County, Pennsylvania are eligible for the USDA Mortgage Program?

Outside of the Johnstown metro area, the rest of Cambria County is USDA Eligible

As expected, the only area of Cambria County that is considered too densely populated for USDA Eligibility is Johnstown and its immediate metropolitan area.   Shortly outside of Johnstown, the rest of Cambria County becomes eligible for the No Down Payment USDA Mortgage Program.

Some of the largest towns in Cambria County that are eligible for the USDA Rural Loan include Ebensburg, Portage, Cresson, Northern Cambria, Nanty Glo, Patton, Gallitzin, Mundys Corner, and Ferndale.

Many home buyers who work in the Johnstown metro area will be able to buy a USDA eligible property right outside of the city limits.

To check to see if a specific home in Cambria County, Pennsylvania is USDA Eligible call 717-745-8380 or email USDA@keystonehomefinance.com



USDA Eligible Areas in Cambria County, Pennsylvania

 
  • Ashville

  • Barnesboro

  • Beaverdale

  • Blandburg

  • Carrolltown

  • Cassandra

  • Chest Springs

  • Colver

  • Conemaugh

  • Cresson

  • Daisytown 

  • Dunlo

  • East Conemaugh

  • Ebensburg

  • Ehrenfeld

  • Flinton 

  • Franklin

  • Gallitzin 

  • Hastings

  • Lilly 

  • Loretto

  • Moxham

  • Mundys Corner

  • Nanty Glo

  • Nicktown

  • North Barnesboro

  • Northern Cambria

  • Oakland

  • Patton

  • Portage

  • Revloc

  • Riverside

  • Roxbury

  • Saint Benedict

  • Saint Michael

  • Salix

  • Sankertown

  • Scalp Level

  • Sidman

  • South Fork 

  • Spangler

  • Spring Hill

  • Summerhill

  • Tunnelhill

  • Vinco

  • Vintondale 

  • Wilmore

  • Woodvale

  • any obvious rural locations

 

Note: This list is an indicator of USDA Eligible Areas for Cambia County, Pennsylvania but does not necessarily include every possible eligible area. If you do not see your town listed, feel free to contact us to double check. If you are in a rural area and do not see your town listed above, you are in a USDA Eligible Area.


Cambria County Pennsylvania USDA Household Income Limits

Income table.png

If your Income exceeds the figures listed here, you may still qualify. 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)