Mercer County Pennsylvania USDA Loan
What areas of Mercer are eligible for the USDA Mortgage Program?
The only section of Mercer County that is not geographically eligible for the USDA Mortgage Program are the Boroughs of Sharon, Hermitage, Sharpsville, Wheatland and Farrell. The U.S. Census Bureau has included these five boroughs in the larger Youngstown-Warren-Boardman metropolitan statistical area. Outside of this patch, the rest of Mercer County is geographically eligible for the the USDA Mortgage Program.
The largest towns in Mercer County, Pennsylvania that are eligible for a USDA loan include Grove City, Greenville, Reynolds Heights, and the county seat of Mercer.
To check to see if a specific home in Mercer County, Pennsylvania is USDA Eligible call 412-567-6560 or email USDA@keystonehomefinance.com
USDA Eligible Areas in Mercer County, Pennsylvania
Eligible Towns
Amsterdam
Bethel
Big Bend
Blacktown
Bowie
Broad Acres
Carbon
Carlton
Carmona
Centertown
Charleston
Clark
Clarks Mills
Cool Spring
Courtneys Mills
Delaware Grove
Donner Crossroads
Drake
Dutch Hill
Enterprise
Fairview
Filer Corners
Five Points
Furnace Hill
Fredonia
Greencrest Park
Greenfield
Greenville
Grove City
Hadley
Hann Hill
Heath
Hendersonville
Henlein
Hickory Corners
Hoagland
Hope Mills
Indian Run
Irishtown
Jackson Center
Jamestown
Kashner
Kennard
Kerrs Corners
Kilgore
Kremis
Lake Latonka
Leesburg
Leesburg Station
London
Lyle
Maysville
McCoytown
Mercer
Millbrook
Millburn
Milledgeville
Neshannock
New Hamburg
New Lebanon
New Vernon
New Virginia
North Liberty
North Mills
North Sandy
Oakland
Oniontown
Osborn
Osgood
Pardoe
Patagonia
Petersburg
Reeds Furnace
Reynolds Heights
Salem
Sandy Lake
Shenango
Sheakleyville
Springfield Falls
Stoneboro
Sunol
Transfer
Turner
Valcourt
West Middlesex
any obvious rural locations
Eligible Townships
Coolsprings Township
Deer Creek Township
Delaware Township
East Lackawannock Township
Fairview Township
Findley Township
French Creek Township
Greene Township
Hempfield Township
Jackson Township
Jefferson Township
Lackawannock Township
Lake Township
Liberty Township
Mill Creek Township
New Vernon Township
Otter Creek Township
Perry Township
Pine Township
Pymatuning Township
Salem Township
Sandy Creek Township
Sandy Lake Township
Shenango Township
South Pymatuning Township
Springfield Township
Sugar Grove Township
West Salem Township
Wilmington Township
Wolf Creek Township
Worth Township 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.
Mercer County USDA Household Income Limits
If your Income exceeds the listed figures, 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)