Somerset County USDA Loan


What areas of Somerset County are eligible for the USDA Mortgage Program?

The USDA has zoned ALL of Somerset County as geographically eligible for their USDA Rural Development Loan. The largest towns in Somerset County, Pennsylvania that are eligible for a USDA loan are Windber, Meyersdale, Berlin, Friedens, Rockwood, Stoystown, Central City, Hollsopple, and county seat of Somerset.


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


Somerset County USDA Eligible Areas

 

Eligible Towns

  • Acosta

  • Addison

  • Benson

  • Berlin

  • Boswell

  • Cairnbrook

  • Callimont

  • Casselman

  • Central City

  • Confluence

  • Davidsville

  • Deal

  • Edie

  • Friedens

  • Garrett

  • Gray

  • Hollsopple

  • Hooversville

  • Indian Lake

  • Jenners

  • Jennerstown

  • Jerome

  • Markleton

  • Meyersdale

  • New Baltimore

  • New Centerville

  • Paint

  • Rockwood

  • Salisbury

  • Seven Springs

  • Shanksville

  • Somerset

  • Springs

  • Stoystown

  • Ursina

  • Wellersburg

  • Windber

  • all other areas

Eligible Townships

  • Addison Township

  • Allegheny Township

  • Black Township

  • Brothersvalley Township

  • Conemaugh Township

  • Elk Lick Township

  • Fairhope Township

  • Greenville Township

  • Jefferson Township

  • Jenner Township

  • Larimer Township

  • Lincoln Township

  • Lower Turkeyfoot Township

  • Middlecreek Township

  • Milford Township

  • Northampton Township

  • Ogle Township

  • Paint Township

  • Quemahoning Township

  • Shade Township

  • Somerset Township

  • Southampton Township

  • Stonycreek Township

  • Summit Township

  • Upper Turkeyfoot Township

 

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 contact us to double check. All of Somerset County, Pennsylvania is located in a USDA Eligible Area.


Somerset County 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)