Westmoreland County USDA Loan
What areas of Westmoreland County are eligible for the USDA Mortgage Program?
The main area of Westmoreland County that is not geographically eligible for the USDA Rural Development Mortgage Program is the corridor of towns between Route 130 and Route 30 that starts at the Allegheny County border in Trafford and runs east through Irwin and Jeannette and ending in Greensburg. Outside of Greensburg and South Greensburg, the area quickly opens up as USDA eligible. The stretch of Allegheny River cities including Lower Burrell, Arnold, and New Kensington on the Route 28 corridor is the only other area in all of Westmoreland County that is considered too densely populated and thus ineligible.
In an update to previous editions of the USDA Eligibility Map, the USDA now has Murrysville included as geographically eligible for the No Down Payment USDA Mortgage Program. On the western side of Westmoreland County, if you live even a short distance from Route 130 or Route 30, you are most likely in a USDA Eligible Area. Wide swaths of the eastern, northern, and southern regions of Westmoreland County are eligible for the No Down Payment USDA Mortgage Program.
Some of the larger towns in Westmoreland County that are eligible for a USDA Loan include Murrysville, Latrobe, Monessen, Mount Pleasant, Loyalhanna, Delmont, Ligonier, and Scottdale.
Areas of Westmoreland County that are Not Eligible for the USDA Mortgage Program
USDA Eligible Areas in Westmoreland County, Pennsylvania
Harrison City (parts)
Laurel Mountain Park
North Belle Vernon
any obvious rural locations
East Huntingdon Township
Hempfield Township Township
Mount Pleasant Township
North Huntingdon Township (parts)
Penn Township Township (parts)
St. Clair Township
South Huntingdon Township
Upper Burrell 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. If you are in a rural area and do not see your town listed above, you are in a USDA Eligible Area.
Westmoreland County USDA Household Income Limits
If your Household Income exceeds the figures in this chart, 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)