Get Qualified For The USDA Rural Loan

Step 1 of 3 : Loan Information

Purpose of Loan: *
What County: *
Approx Loan Amount: *

Step 2 of 3 : About You

When are you looking to purchase/refinance: *
Estimate your credit: *
Bankruptcy or Foreclosure: *
Full Name *
Email Address *
Phone *
I have read and agreed to the Privacy Statement and Terms and Use policy.


Free Consultation! No Obligation and No Personal Information Required.

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 3.25% (3.868% 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


Resource Center

USDA Announces Increased Income Limits

Date: June 1, 2016
Source Document
Questions or Comments Regarding This Information?

The income limits for the USDA Guaranteed Rural Housing Program have increased for just a few Pennsylvania Counties effective June 1, 2016. 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$79,150$104,500
Allegheny$81,850$108,050
Armstrong$75,650$99,850
Beaver$81,850$108,050
Bedford$75,650$99,850
Berks$81,500$107,600
Blair$75,650$99,850
Bradford$75,650$99,850
Bucks$93,750$123,750
Butler$81,850$108,050
Cambria$75,650$99,850
Cameron$75,650$99,850
Carbon$84,300$111,300
Centre$84,650$111,750
Chester$93,750$123,750
Clarion$75,650$99,850
Clearfield$75,650$99,850
Clinton$75,650$99,850
Columbia$75,650$99,850
Crawford$75,650$99,850
Cumberland$84,550$111,600
Dauphin$84,550$111,600
Delaware$93,750$123,750
Elk$75,650$99,850
Erie$75,650$99,850
Fayette$81,850$108,050
Forest$75,650$99,850
Franklin$77,750$102,650
Fulton$75,650$99,850
Greene$75,650$99,850
Huntingdon$75,650$99,850
Indiana$75,650$99,850
Jefferson$75,650$99,850
Juniata$75,650$99,850
Lackawanna$75,650$99,850
Lancaster$80,500$106,250
Lawrence$75,650$99,850
Lebanon$78,050$103,050
Lehigh$84,300$111,300
Luzerne$75,650$99,850
Lycoming$75,650$99,850
McKean$75,650$99,850
Mercer$75,650$99,850
Mifflin$75,650$99,850
Monroe$79,200$104,550
Montgomery$93,750$123,750
Montour$75,650$99,850
Northampton$84,300$111,300
Northumberland$75,650$99,850
Perry$84,550$111,600
Pike$81,450$107,500
Potter$75,650$99,850
Schuylkill$75,650$99,850
Snyder$75,650$99,850
Somerset$75,650$99,850
Sullivan$75,650$99,850
Susquehanna$75,650$99,850
Tioga$75,650$99,850
Union$75,650$99,850
Venango$75,650$99,850
Warren$75,650$99,850
Washington$81,850$108,050
Wayne$75,650$99,850
Westmoreland$81,850$108,050
Wyoming$75,650$99,850
York$81,850$108,050

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.