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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 66% 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
Resource Center

Latest News - USDA Rural Development Loan Programs


USDA Announces Increased Income Limits

Date: January 2, 2012
Source Document
Questions or Comments Regarding This Information?

The income limits for the USDA Guaranteed Rural Housing (GRP) Program have increased effective June 2, 2010. While the increase in Pennsylvania is less than $1,000, considering that family incomes have stagnated over the last year, any increase is helpful in qualifying more homebuyers for this loan program.

Based on the increase new maximum income limits are as follows:

CountyIncome 1-4Income 5-8
Adams$78,650$103,800
Allegheny$74,900$98,850
Armstrong$74,750$98,650
Beaver$74,900$98,850
Bedford$74,750$98,650
Berks$78,200$103,200
Blair$74,750$98,650
Bradford$74,750$98,650
Bucks$93,450$123,350
Butler$74,900$98,850
Cambria$74,750$98,650
Cameron$74,750$98,650
Carbon$84,300$111,300
Centre$78,400$103,500
Chester$93,450$123,350
Clarion$74,750$98,650
Clearfield$74,750$98,650
Clinton$74,750$98,650
Columbia$74,750$98,650
Crawford$74,750$98,650
Cumberland$84,550$111,600
Dauphin$84,550$111,600
DelawareN/AN/A
Elk$74,750$98,650
Erie$74,750$98,650
Fayette$74,900$98,850
Forest$74,750$98,650
Franklin$74,750$98,650
Fulton$74,750$98,650
Greene$74,750$98,650
Huntingdon$74,750$98,650
Indiana$74,750$98,650
Jefferson$74,750$98,650
Juniata$74,750$98,650
Lackawanna$74,750$98,650
Lancaster$79,950$105,550
Lawrence$74,750$98,650
Lebanon$75,550$99,750
Lehigh$84,300$111,300
Luzerne$74,750$98,650
Lycoming$74,750$98,650
McKean$74,750$98,650
Mercer$74,750$98,650
Mifflin$74,750$98,650
Monroe$79,200$104,550
Montgomery$93,450$123,350
Montour$74,750$98,650
Northampton$84,300$111,300
Northumberland$74,750$98,650
Perry$84,550$111,600
Pike$78,400$103,500
Potter$74,750$98,650
Schuylkill$74,750$98,650
Snyder$74,750$98,650
Somerset$74,750$98,650
Sullivan$74,750$98,650
Susquehanna$74,750$98,650
Tioga$74,750$98,650
Union$74,750$98,650
Venango$74,750$98,650
Warren$74,750$98,650
Washington$74,900$98,850
Wayne$74,750$98,650
Westmoreland$74,900$98,850
Wyoming$74,750$98,650
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) 552-5912 to speak to your local Pennsylvania loan professional.