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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Phone *
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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 4.25% (4.583% 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: June 1, 2018
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 June 1, 2018. 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$86,100$113,650
Allegheny$87,400$115,350
Armstrong$82,700$109,150
Beaver$87,400$115,350
Bedford$82,700$109,150
Berks$82,700$109,150
Blair$82,700$109,150
Bradford$82,700$109,150
Bucks$100,500$132,650
Butler$87,400$115,350
Cambria$82,700$109,150
Cameron$82,700$109,150
Carbon$85,800$113,250
Centre$94,750$125,050
Chester$100,500$132,650
Clarion$82,700$109,150
Clearfield$82,700$109,150
Clinton$82,700$109,150
Columbia$82,700$109,150
Crawford$82,700$109,150
Cumberland$86,450$114,100
Dauphin$86,450$114,100
Delaware$100,500$132,650
Elk$82,700$109,150
Erie$82,700$109,150
Fayette$87,400$115,350
Forest$82,700$109,150
Franklin$82,700$109,150
Fulton$82,700$109,150
Greene$82,700$109,150
Huntingdon$82,700$109,150
Indiana$82,700$109,150
Jefferson$82,700$109,150
Juniata$82,700$109,150
Lackawanna$82,700$109,150
Lancaster$84,900$112,050
Lawrence$82,700$109,150
Lebanon$82,700$109,150
Lehigh$85,800$113,250
Luzerne$82,700$109,150
Lycoming$82,700$109,150
McKean$82,700$109,150
Mercer$82,700$109,150
Mifflin$82,700$109,150
Monroe$85,250$112,550
Montgomery$100,500$132,650
Montour$82,700$109,150
Northampton$85,800$113,250
Northumberland$82,700$109,150
Perry$86,450$114,100
Pike$84,650$111,750
Potter$82,700$109,150
Schuylkill$82,700$109,150
Snyder$82,700$109,150
Somerset$82,700$109,150
Sullivan$82,700$109,150
Susquehanna$82,700$109,150
Tioga$82,700$109,150
Union$82,700$109,150
Venango$82,700$109,150
Warren$82,700$109,150
Washington$87,400$115,350
Wayne$82,700$109,150
Westmoreland$87,400$115,350
Wyoming$82,700$109,150
York$85,450$112,800

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.