Get Qualified For The USDA Rural Loan

Step 1 of 3 : Loan Information

Purpose of Loan: *
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Approx Loan Amount: *

Step 2 of 3 : About You

When are you looking to purchase/refinance: *
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U.S. Department of Agriculture (USDA) Guaranteed Rural Home Loans are creating homeownership opportunities throughout Pennsylvania with No Money Down Financing in rural communities and areas just outside of major metro areas.

The USDA Rural Development Loan Program offers first time homebuyers and move-up buyers:
  • 100% Financed Mortgage, No Money Down, $0 Down Payment
  • USDA Loans monthly mortgage insurance premiums are 59% lower than a comparable FHA Loan
  • Flexible Credit Requirements
  • Safe, Secure 30 Year Fixed Rate Mortgage
  • No Maximum Loan Amount
  • With Seller Help, No Out-Of-Pocket Closing Costs
  • Most Property Types Allowed

USDA Loan Construction Financing

USDA No Money Down Construction Loan Financing – Now Available!

The USDA Loan program can now be used to finance a construction project, including purchasing land (if necessary), with no money down. The benefits of the USDA One-Time Close Loan include:

  • No down payment requirements Vs. an average 20% down payment on a typical Construction-To-Perm Loan
  • Lower cost by only having to close on the loan once
  • Reduced interest rate risk by closing just one time on the loan
  • No payment required during construction
  • No requalification prior to moving into the house

Resource Center
If you have an existing USDA Loan you will receive the following benefits of a USDA to USDA Refinance Loan:
  • No appraisal report required and streamline approval process
  • Property valuation not considered, refinance even if the house is worth less than the current mortgage
  • Obtain an interest rate as low as 3.25% (3.589% APR)
  • Skip up to two mortgage payments
  • Roll in all closing costs and fees into the new loan
  • Receive back from your current Loan Servicer a refund of the money held in your escrow account
  • Refinance with our No Closing Cost option

USDA INTEREST RATE

USDA HOME LOAN PAYMENT

USDA Announces Increased Income Limits

Date: July 1, 2019
Source Document
Questions or Comments Regarding This Information?

The income limits for the USDA Guaranteed Rural Housing Program have increased for almost all Pennsylvania Counties effective July 1, 2019. Income limits are based on the income for all adult (18 and over) household members, regardless of whether they will be a borrower on the loan. Maximum County income limits are based on a household size of 1 – 4 or 5 or more people residing in the household. USDA does allow for situations where the household income can exceed the maximum County income, based on certain parameters. Reference PennsylvaniaUSDA Income Calculator for an instant income evaluation on whether your income meets or exceeds USDA’s maximum County limits.

USDA’s maximum County income limits are as follows:

Household Size
County1-45+
Adams$91,300$120,500
Allegheny$91,850$121,250
Armstrong$86,850$114,650
Beaver$91,850$121,250
Bedford$86,850$114,650
Berks$87,750$115,850
Blair$86,850$114,650
Bradford$86,850$114,650
Bucks$103,650$136,800
Butler$91,850$121,250
Cambria$86,850$114,650
Cameron$86,850$114,650
Carbon$90,150$119,000
Centre$104,200$137,550
Chester$103,650$136,800
Clarion$86,850$114,650
Clearfield$86,850$114,650
Clinton$86,850$114,650
Columbia$86,850$114,650
Crawford$86,850$114,650
Cumberland$93,300$123,150
Dauphin$93,300$123,150
Delaware$103,650$136,800
Elk$86,850$114,650
Erie$86,850$114,650
Fayette$91,850$121,250
Forest$86,850$114,650
Franklin$87,850$115,950
Fulton$86,850$114,650
Greene$86,850$114,650
Huntingdon$86,850$114,650
Indiana$86,850$114,650
Jefferson$86,850$114,650
Juniata$86,850$114,650
Lackawanna$86,850$114,650
Lancaster$87,600$115,650
Lawrence$86,850$114,650
Lebanon$86,850$114,650
Lehigh$90,150$119,000
Luzerne$86,850$114,650
Lycoming$86,850$114,650
McKean$86,850$114,650
Mercer$86,850$114,650
Mifflin$86,850$114,650
Monroe$90,650$119,650
Montgomery$103,650$136,800
Montour$86,850$114,650
Northampton$90,150$119,000
Northumberland$86,850$114,650
Perry$93,300$123,150
Pike$86,850$114,650
Potter$86,850$114,650
Schuylkill$86,850$114,650
Snyder$86,850$114,650
Somerset$86,850$114,650
Sullivan$86,850$114,650
Susquehanna$86,850$114,650
Tioga$86,850$114,650
Union$86,850$114,650
Venango$86,850$114,650
Warren$86,850$114,650
Washington$91,850$121,250
Wayne$86,850$114,650
Westmoreland$91,850$121,250
Wyoming$86,850$114,650
York$88,100$116,300

Remember that USDA does allow for the total household income to be higher than these income limits provided that certain adjustments or reduction to income can be made including:

  • Documentable childcare expenses for children age 12 and under
  • $480 per child for anyone under 18
  • $480 for any student other then one of the applicants
  • $400 for each disabled or handicapped individual who is not one of the applicants
  • Medical expenses for any elderly family member
These adjustments can be used to lower the gross household income to an amount that is less than the above mentioned maximum gross income. If you are considering financing an upcoming home purchase using a USDA loan and need assistance in calculating your adjusted gross income using USDA Rural Development Loan Income Guidelines complete the contact form or call (866) 747-2882 to speak to your local Pennsylvania loan professional.