Get Qualified For The USDA Rural Loan

Step 1 of 3 : Loan Information

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Approx Loan Amount: *

Step 2 of 3 : About You

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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

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 3.5% (3.841% 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: May 17, 2017
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 May 17, 2017. 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$84,150$111,100
Allegheny$83,500$110,200
Armstrong$78,200$103,200
Beaver$83,500$110,200
Bedford$78,200$103,200
Berks$81,500$107,600
Blair$78,200$103,200
Bradford$78,200$103,200
Bucks$95,650$126,250
Butler$83,500$110,200
Cambria$78,200$103,200
Cameron$78,200$103,200
Carbon$84,400$111,400
Centre$86,250$113,850
Chester$95,650$126,250
Clarion$78,200$103,200
Clearfield$78,200$103,200
Clinton$78,200$103,200
Columbia$78,200$103,200
Crawford$78,200$103,200
Cumberland$85,900$113,400
Dauphin$85,900$113,400
Delaware$95,650$126,250
Elk$78,200$103,200
Erie$78,200$103,200
Fayette$83,500$110,200
Forest$78,200$103,200
Franklin$78,200$103,200
Fulton$78,200$103,200
Greene$78,200$103,200
Huntingdon$78,200$103,200
Indiana$78,200$103,200
Jefferson$78,200$103,200
Juniata$78,200$103,200
Lackawanna$78,200$103,200
Lancaster$81,800$108,000
Lawrence$78,200$103,200
Lebanon$78,200$103,200
Lehigh$84,400$111,400
Luzerne$78,200$103,200
Lycoming$78,200$103,200
McKean$78,200$103,200
Mercer$78,200$103,200
Mifflin$78,200$103,200
Monroe$79,200$104,550
Montgomery$95,650$126,250
Montour$78,200$103,200
Northampton$84,400$111,400
Northumberland$78,200$103,200
Perry$85,900$113,400
Pike$81,450$107,500
Potter$78,200$103,200
Schuylkill$78,200$103,200
Snyder$78,200$103,200
Somerset$78,200$103,200
Sullivan$78,200$103,200
Susquehanna$78,200$103,200
Tioga$78,200$103,200
Union$78,200$103,200
Venango$78,200$103,200
Warren$78,200$103,200
Washington$83,500$110,200
Wayne$78,200$103,200
Westmoreland$83,500$110,200
Wyoming$78,200$103,200
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.