Pennsylvania USDA Home Loan

The USDA Home Loan Program offers 100% home financing for those who meet certain income and credit requirements and are financing properties in USDA designated areas. Use the map and tables below to determine your eligibility. Use the contact form to the right to request additional information.
Pennsylvania USDA Home Loan Location Eligibility

The Pennsylvania USDA Home Loan Program restricts the location of eligible properties. The dark orange areas of the map indicate ineligible locations. The table indicates counties that contain ineligible properties. -

 pennsylvania-usda-home-loans

Adams Butler Dauphin Lawrence Mercer Philadelphia
Allegheny Cambria Delaware Lebanon Monroe Snyder
Beaver Carbon Erie Lehigh Montgomery Washington
Berks Centre Fayette Luzerne Northampton Westmoreland
Blair Chester Lackawanna Lycoming Northumberland York
Bucks Cumberland Lancaster
*If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page. - - -

Step 1 - Calculate your qualifying income based on the USDA income guidelines.

Adjusted Gross Income Calculator

STEP 1 - Determine your Income
What is the combined gross annual income of all applicants?
STEP 2 - Determine your Deductions
How many children under the age of 18 live in the home?
How many disabled or handicapped individuals who are not the applicant or co-applicant live in the home?
How many full time students 18 years of age or older live in the home?
How many people 62 years of age or older live in the home?
What are the documentable medical expenses for family members 62 years of age or older living in the home?
What are the documentable childcare expenses for children 12 years of age or older living in the home?
  
Your Household's Adjusted Gross Income

 

Step 2 - Refer to the table below to see if your income falls within the UDSA guidelines.

Pennsylvania USDA Home Loan Income Eligibility

The Pennsylvania USDA Home Loan Program has income eligibility restrictions. Below are the maximum income limits for USDA Home Loans. Find the area in which you would like to purchase a home. Maximum allowable incomes depend on whether you have a 1-4 or 5-8 person household. The USDA allows certain deductions to help you qualify. View The USDA Home Loan Applicant Eligibility Page to determine your adjusted income. Or, use the contact form to the right to request additional information. 

 

Location 1 to 4 5 to 8   Location 1 to 4 5 to 8   Location 1 to 4 5 to 8
Allentown-Bethlehem-Easton, PA $80,500 $106,250 Bedford County, PA $73,600 $97,150 Lawrence County, PA $73,600 $97,150
Altoona, PA $73,600 $97,150 Bradford County, PA $73,600 $97,150 McKean County, PA $73,600 $97,150
Erie, PA $73,600 $97,150 Cameron County, PA $73,600 $97,150 Mifflin County, PA $73,600 $97,150
Harrisburg-Carlisle, PA $80,850 $106,700 Clarion County, PA $73,600 $97,150 Monroe County, PA $76,900 $101,500
Johnstown, PA $73,600 $97,150 Clearfield County, PA $73,600 $97,150 Montour County, PA $73,600 $97,150
Lancaster, PA $77,500 $102,300 Clinton County, PA $73,600 $97,150 Northumberland County, PA $73,600 $97,150
Lebanon, PA $73,600 $97,150 Columbia County, PA $73,600 $97,150 Potter County, PA $73,600 $97,150
Pike County, PA $78,400 $103,500 Crawford County, PA $73,600 $97,150 Schuylkill County, PA $73,600 $97,150
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD $89,500 $118,150 Elk County, PA $73,600 $97,150 Snyder County, PA $73,600 $97,150
Pittsburgh, PA $73,600 $97,150 Forest County, PA $73,600 $97,150 Somerset County, PA $73,600 $97,150
Armstrong County, PA $73,600 $97,150 Franklin County, PA $73,600 $97,150 Sullivan County, PA $73,600 $97,150
Reading, PA $75,700 $99,900 Fulton County, PA $73,600 $97,150 Susquehanna County, PA $73,600 $97,150
Scranton--Wilkes-Barre, PA $73,600 $97,150 Greene County, PA $73,600 $97,150 Tioga County, PA $73,600 $97,150
State College, PA $75,700 $99,900 Huntingdon County, PA $73,600 $97,150 Union County, PA $73,600 $97,150
Williamsport, PA $73,600 $97,150 Indiana County, PA $73,600 $97,150 Venango County, PA $73,600 $97,150
York-Hanover, PA $77,250 $101,950 Jefferson County, PA $73,600 $97,150 Warren County, PA $73,600 $97,150
Sharon, PA $73,600 $97,150 Juniata County, PA $73,600 $97,150 Wayne County, PA $73,600 $97,150
Adams County, PA $73,800 $97,400
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