The U.S Department of Agriculture is making home buying easy and affordable for many Pennsylvania area residents – And, with a little help from Consumer Real Estate Finance Co., you may be eligible!

USDA Loans or Rural Development loans offer:

  • 100% Financed Mortgage, No Money Down,
  • No Loan Amount Limitations
  • Available for Many Types of Pennsylvania Homes

Pennsylvania Areas that Qualify for a USDA Loan

You just may be surprised at how many Pennsylvania areas qualify for a USDA Home Loan. Designed to stimulate growth in small or rural communities, areas that are eligible for a USDA Loan include:

  • Communities located outside of city limits
  • Communities with less than 20,000 people

Never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate Finance Co. are here to help, fill out the Application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Our office in Pennsylvania is located at:

112 Country Drive
Denver, PA 17517

Pennsylvania’s USDA Loan Income Limits by County

While applying for a Rural Development Loan with Consumer Real Estate Finance Co. is fast and easy, there are a few eligibility restrictions: These can include property location and credit history evaluation.

In addition to the above Pennsylvania USDA Home Loan restrictions, eligibility is also determined by income limits. Your yearly income cannot exceed the limit set for your county:

Pennsylvania USDA Loan Adjusted Maximum Income Limits by County
Updated 10/24/2012

STATE:PENNSYLVANIA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Altoona PA MSA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Erie PA MSA VERY LOW INCOME 21100 24100 27100 30100 32550 34950 37350 39750
LOW INCOME 33700 38500 43350 48150 52000 55850 59700 63550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harrisburg-CarlislePA MSA VERY LOW INCOME 25750 29400 33100 36750 39700 42650 45600 48550
LOW INCOME 41150 47050 52900 58800 63500 68200 72900 77600
MOD.INC-GUAR.LOAN 84550 84550 84550 84550 111600 111600 111600 111600
Johnstown PA MSA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lancaster PA MSA VERY LOW INCOME 24350 27800 31300 34750 37550 40350 43100 45900
LOW INCOME 38900 44500 50050 55600 60050 64500 68950 73400
MOD.INC-GUAR.LOAN 79950 79950 79950 79950 105550 105550 105550 105550
Lebanon PA MSA VERY LOW INCOME 23000 26300 29600 32850 35500 38150 40750 43400
LOW INCOME 36800 42050 47300 52550 56750 60950 65150 69350
MOD.INC-GUAR.LOAN 75550 75550 75550 75550 99750 99750 99750 99750
Philadelphia-Camden-Wilmington PA-NJ-DE-MD MSA VERY LOW INCOME 28550 32600 36700 40750 44050 47300 50550 53800
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Pittsburgh PA HUD Metro FMR Area VERY LOW INCOME 23000 26250 29550 32800 35450 38050 40700 43300
LOW INCOME 36750 42000 47250 52500 56700 60900 65100 69300
MOD.INC-GUAR.LOAN 75450 75450 75450 75450 99600 99600 99600 99600
Reading PA MSA VERY LOW INCOME 23800 27200 30600 34000 36750 39450 42200 44900
LOW INCOME 38100 43500 48950 54400 58750 63100 67450 71800
MOD.INC-GUAR.LOAN 78200 78200 78200 78200 103200 103200 103200 103200
Scranton--Wilkes-Barre PA MSA VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
State College PA MSA VERY LOW INCOME 24550 28050 31550 35050 37900 40700 43500 46300
LOW INCOME 39250 44900 50500 56100 60600 65100 69550 74050
MOD.INC-GUAR.LOAN 80650 80650 80650 80650 106450 106450 106450 106450
Williamsport PA MSA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
York-Hanover PA MSA VERY LOW INCOME 24950 28500 32050 35600 38450 41300 44150 47000
LOW INCOME 39850 45550 51250 56950 61500 66050 70600 75150
MOD.INC-GUAR.LOAN 81850 81850 81850 81850 108050 108050 108050 108050
Adams County PA VERY LOW INCOME 23950 27400 30800 34200 36950 39700 42450 45150
LOW INCOME 38300 43750 49250 54700 59100 63450 67850 72200
MOD.INC-GUAR.LOAN 78650 78650 78650 78650 103800 103800 103800 103800
Bedford County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bradford County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cameron County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clarion County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clearfield County PA VERY LOW INCOME 20200 23100 26000 28850 31200 33500 35800 38100
LOW INCOME 32300 36900 41550 46150 49850 53550 57250 60900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clinton County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Columbia County PA VERY LOW INCOME 20250 23150 26050 28900 31250 33550 35850 38150
LOW INCOME 32400 37000 41650 46250 49950 53650 57350 61050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Crawford County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Elk County PA VERY LOW INCOME 20850 23800 26800 29750 32150 34550 36900 39300
LOW INCOME 33300 38100 42850 47600 51400 55200 59000 62850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Forest County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Franklin County PA VERY LOW INCOME 22500 25700 28900 32100 34700 37250 39850 42400
LOW INCOME 35950 41100 46200 51350 55450 59550 63650 67800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fulton County PA VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greene County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Huntingdon County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Indiana County PA VERY LOW INCOME 20750 23700 26650 29600 32000 34350 36750 39100
LOW INCOME 33150 37900 42600 47350 51150 54950 58700 62500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jefferson County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Juniata County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lawrence County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McKean County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mifflin County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe County PA VERY LOW INCOME 24150 27600 31050 34450 37250 40000 42750 45500
LOW INCOME 38550 44100 49600 55100 59500 63900 68300 72750
MOD.INC-GUAR.LOAN 79200 79200 79200 79200 104550 104550 104550 104550
Montour County PA VERY LOW INCOME 21950 25050 28200 31300 33850 36350 38850 41350
LOW INCOME 35050 40100 45100 50100 54100 58100 62100 66150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Northumberland CountyPA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Potter County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Schuylkill County PA VERY LOW INCOME 20300 23200 26100 29000 31350 33650 36000 38300
LOW INCOME 32500 37100 41750 46400 50100 53800 57550 61250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Snyder County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Somerset County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sullivan County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Susquehanna CountyPA VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tioga County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Union County PA VERY LOW INCOME 21150 24150 27200 30200 32600 35050 37450 39850
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Venango County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Warren County PA VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wayne County PA VERY LOW INCOME 20550 23500 26450 29350 31700 34050 36400 38750
LOW INCOME 32850 37550 42250 46950 50700 54450 58200 61950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

Looking for more information?  Learn more about Rural Development Loans by contacting Consumer Real Estate Finance Co. today!