Get Qualified For The USDA Rural Loan

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USDA Home Loans in Pennsylvania

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

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 2.75% (3.042% 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
Resource Center
Zero Down USDA Renovation and Repair Loan

Zero Down USDA Renovation and Repair Loan

Borrowers can now combine the benefits of the FHA 203k Renovation Loan with the cost savings of a USDA Loan using the new USDA Renovation Loan. USDA eligible borrowers can obtain one loan, to purchase a house and include a repair escrow budget to finance renovation and rehab projects (including major structural repairs), after the loan closes.

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

USDA INTEREST RATE

USDA HOME LOAN PAYMENT

USDA Announces Increased Income Limits

Date: May 1, 2020
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 May 1, 2020. 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.

Pennsylvania's USDA Guaranteed Loan Income Limits by County are as follows:

Household Size
County1-45+
Adams$98,550$130,100
Allegheny$95,450$126,000
Armstrong$90,300$119,200
Beaver$95,450$126,000
Bedford$90,300$119,200
Berks$90,400$119,350
Blair$90,300$119,200
Bradford$90,300$119,200
Bucks$111,100$146,650
Butler$95,450$126,000
Cambria$90,300$119,200
Cameron$90,300$119,200
Carbon$90,300$119,200
Centre$104,200$137,550
Chester$111,100$146,650
Clarion$90,300$119,200
Clearfield$90,300$119,200
Clinton$90,300$119,200
Columbia$90,300$119,200
Crawford$90,300$119,200
Cumberland$97,750$129,050
Dauphin$97,750$129,050
Delaware$111,100$146,650
Elk$90,300$119,200
Erie$90,300$119,200
Fayette$95,450$126,000
Forest$90,300$119,200
Franklin$90,300$119,200
Fulton$90,300$119,200
Greene$90,300$119,200
Huntingdon$90,300$119,200
Indiana$90,300$119,200
Jefferson$90,300$119,200
Juniata$90,300$119,200
Lackawanna$90,300$119,200
Lancaster$91,450$120,700
Lawrence$90,300$119,200
Lebanon$90,300$119,200
Lehigh$90,300$119,200
Luzerne$90,300$119,200
Lycoming$90,300$119,200
McKean$90,300$119,200
Mercer$90,300$119,200
Mifflin$90,300$119,200
Monroe$91,000$120,100
Montgomery$111,100$146,650
Montour$90,300$119,200
Northampton$90,300$119,200
Northumberland$90,300$119,200
Perry$97,750$129,050
Pike$91,000$120,100
Potter$90,300$119,200
Schuylkill$90,300$119,200
Snyder$90,300$119,200
Somerset$90,300$119,200
Sullivan$90,300$119,200
Susquehanna$90,300$119,200
Tioga$90,300$119,200
Union$90,300$119,200
Venango$90,300$119,200
Warren$90,300$119,200
Washington$95,450$126,000
Wayne$90,300$119,200
Westmoreland$95,450$126,000
Wyoming$90,300$119,200
York$94,500$124,750

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.