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Greater Pittsburgh · PennsylvaniaMortgage lender in Allegheny County, PA
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Pennsylvania and makes purchase and refinance loans in Allegheny County: conventional, FHA, VA, USDA, jumbo and non-QM. Files are handled from our Southampton, PA office by a licensed loan officer you can reach directly. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
From Pittsburgh to Ross Township: what changes locally, what does not, and how to find out in fifteen minutes what you actually qualify for.
Buying in Allegheny County
Allegheny County, with its county seat in Pittsburgh, takes in Pittsburgh, Mt. Lebanon, Monroeville, Bethel Park and Ross Township. Stellar lends across all of Pennsylvania, and Allegheny County files are handled from our Southampton, PA office by a licensed officer you can reach directly.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $541,287 (one-unit, set by HUD)
- Above that
- Jumbo pricing
- Closing handled by
- title company
- State housing agency
- PHFA (participating lender)
- Your office
- Southampton, PA
2026 limits for a one-unit property. Allegheny County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Allegheny County. Loans above it are jumbo, which means tighter reserves and different pricing.
Allegheny County: Pittsburgh neighborhoods, hillside lots and the suburbs
Allegheny County is the one market on this list that is not a day trip from our office, and we say so plainly: Pittsburgh files are handled from Southampton by a licensed Pennsylvania officer, by phone, secure portal and e-signature, with the closing at a local title company. What we bring is the same PHFA participation and program set we use in the east, and pricing that is set statewide rather than by county. Buyers in Squirrel Hill, Shadyside, Lawrenceville, Bloomfield, Mount Washington and the East End; in the South Hills of Mt. Lebanon, Bethel Park and Upper St. Clair; and in the North Hills of Ross, McCandless and Cranberry's neighbors in Allegheny all qualify under the same rules.
Pittsburgh's housing stock is older and built on hills, and that shapes the appraisal more than anywhere else we lend. Foundation and retaining-wall condition, sloped lots and terraced yards, and mine subsidence in parts of the county are all items an FHA or conventional appraiser notes, and Pennsylvania offers a separate mine subsidence insurance program in affected areas. The city's rowhomes and frame houses also carry the usual paint, roof and wiring condition questions, and renovation financing is a common fit.
Prices in Allegheny County remain below the Philadelphia suburbs for comparable homes, so most purchases here are comfortably within the conforming baseline and first-time buyers get real use out of FHA and PHFA assistance. Property taxes are set by the county, municipality and school district and vary widely, so we build the payment from the actual millage on the house.
Allegheny County by the numbers
- Median home value
- $227,600 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 1.52% of home value a year: median tax bill $3,451 on a median value of $227,600 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- State realty transfer tax of 1% of the value, plus a local tax that varies by municipality (Pennsylvania Department of Revenue)
- Largest communities
- Pittsburgh, Penn Hills Township, Mount Lebanon Township, Ross Township (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $227,600. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in Pennsylvania
Closings in Pennsylvania are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Pennsylvania page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Allegheny County buyers ask
Does Stellar Mortgage lend in Allegheny County, PA?
Yes. Stellar Mortgage Corporation is licensed in Pennsylvania and lends in all 67 counties, including Allegheny County. Our head office is in Southampton, Bucks County, and every file is handled by a licensed loan officer with a direct line.
What is the 2026 conforming loan limit in Allegheny County?
For 2026 the one-unit conforming limit in Allegheny County is $832,750, the FHFA baseline. Loans above that are jumbo, which brings tighter reserve and credit requirements. FHA limits are set separately by HUD and are usually lower; we check both for the property address before quoting.
Is there down payment assistance for first-time buyers in Allegheny County?
PHFA, the state housing agency, offers first mortgages paired with down payment and closing cost assistance for eligible Pennsylvania buyers, and Stellar is an approved PHFA lender. Income and purchase price limits are set by county and change periodically, so we confirm the current Allegheny County figures on your file rather than quoting them here. Some counties and municipalities run their own programs as well; ask your officer what is funded right now.
How fast can I get pre-approved to buy in Allegheny County?
Once we have your application, credit, and the documents on our checklist, most buyers have a letter within one to two business days. If you have already found a home in Pittsburgh or anywhere else in Allegheny County and are writing an offer, tell us on the form and we prioritize the file.
What is the 2026 FHA loan limit in Allegheny County?
For 2026 the FHA limit for a one-unit home in Allegheny County is $541,287, set by HUD. The conforming loan limit is $832,750. Limits for two- to four-unit properties are higher.
Who pays the transfer tax in Allegheny County?
The state realty transfer tax is 1 percent of the property’s value, and the municipality and school district usually add a local tax. Buyer and seller are both legally responsible; how it is divided is set in the agreement of sale, and it is often shared.
Conforming limit shown is the 2026 FHFA figure for Allegheny County. FHA limits and state agency caps are set by HUD and PHFA and change periodically. Verify on the official source. Not a commitment to lend.
Get pre-approved in Allegheny County
Three quick steps, about a minute. No Social Security number, no pay stubs. A licensed officer from our Southampton office calls you back, usually the same business day.
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“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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