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 usda 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

Quick Scroll
STATE:PENNSYLVANIA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Allentown-Bethlehem-Easton, PA HUD Metro FMR Area
VERY LOW INCOME 37300 37300 37300 37300 49250 49250 49250 49250
Apply Now LOW INCOME 59700 59700 59700 59700 78800 78800 78800 78800
MOD.INC-GUAR.LOAN 85800 85800 85800 85800 113250 113250 113250 113250
Altoona, PA MSA
VERY LOW INCOME 32550 32550 32550 32550 43000 43000 43000 43000
Apply Now LOW INCOME 52100 52100 52100 52100 68750 68750 68750 68750
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Columbia County, PA HUD Metro FMR Area
VERY LOW INCOME 30550 30550 30550 30550 40350 40350 40350 40350
Apply Now LOW INCOME 48900 48900 48900 48900 64550 64550 64550 64550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Montour County, PA HUD Metro FMR Area
VERY LOW INCOME 35600 35600 35600 35600 47000 47000 47000 47000
Apply Now LOW INCOME 56950 56950 56950 56950 75150 75150 75150 75150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Chambersburg-Waynesboro, PA MSA
VERY LOW INCOME 35650 35650 35650 35650 47100 47100 47100 47100
Apply Now LOW INCOME 57050 57050 57050 57050 75300 75300 75300 75300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
East Stroudsburg, PA MSA
VERY LOW INCOME 37050 37050 37050 37050 48950 48950 48950 48950
Apply Now LOW INCOME 59300 59300 59300 59300 78300 78300 78300 78300
MOD.INC-GUAR.LOAN 85250 85250 85250 85250 112550 112550 112550 112550
Erie, PA MSA
VERY LOW INCOME 31850 31850 31850 31850 42050 42050 42050 42050
Apply Now LOW INCOME 50950 50950 50950 50950 67250 67250 67250 67250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gettysburg, PA MSA
VERY LOW INCOME 37450 37450 37450 37450 49450 49450 49450 49450
Apply Now LOW INCOME 59900 59900 59900 59900 79050 79050 79050 79050
MOD.INC-GUAR.LOAN 86100 86100 86100 86100 113650 113650 113650 113650
Harrisburg-Carlisle, PA MSA
VERY LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
Apply Now LOW INCOME 60150 60150 60150 60150 79400 79400 79400 79400
MOD.INC-GUAR.LOAN 86450 86450 86450 86450 114100 114100 114100 114100
Johnstown, PA MSA
VERY LOW INCOME 32100 32100 32100 32100 42400 42400 42400 42400
Apply Now LOW INCOME 51350 51350 51350 51350 67800 67800 67800 67800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lancaster, PA MSA
VERY LOW INCOME 36900 36900 36900 36900 48750 48750 48750 48750
Apply Now LOW INCOME 59050 59050 59050 59050 77950 77950 77950 77950
MOD.INC-GUAR.LOAN 84900 84900 84900 84900 112050 112050 112050 112050
Lebanon, PA MSA
VERY LOW INCOME 35050 35050 35050 35050 46300 46300 46300 46300
Apply Now LOW INCOME 56100 56100 56100 56100 74050 74050 74050 74050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pike County, PA HUD Metro FMR Area
VERY LOW INCOME 36800 36800 36800 36800 48600 48600 48600 48600
Apply Now LOW INCOME 58900 58900 58900 58900 77750 77750 77750 77750
MOD.INC-GUAR.LOAN 84650 84650 84650 84650 111750 111750 111750 111750
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA
VERY LOW INCOME 43700 43700 43700 43700 57700 57700 57700 57700
Apply Now LOW INCOME 69900 69900 69900 69900 92250 92250 92250 92250
MOD.INC-GUAR.LOAN 100500 100500 100500 100500 132650 132650 132650 132650
Armstrong County, PA HUD Metro FMR Area
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pittsburgh, PA HUD Metro FMR Area
VERY LOW INCOME 38000 38000 38000 38000 50200 50200 50200 50200
Apply Now LOW INCOME 60800 60800 60800 60800 80250 80250 80250 80250
MOD.INC-GUAR.LOAN 87400 87400 87400 87400 115350 115350 115350 115350
Reading, PA MSA
VERY LOW INCOME 35950 35950 35950 35950 47500 47500 47500 47500
Apply Now LOW INCOME 57500 57500 57500 57500 75900 75900 75900 75900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Scranton--Wilkes-Barre, PA MSA
VERY LOW INCOME 33150 33150 33150 33150 43800 43800 43800 43800
Apply Now LOW INCOME 53050 53050 53050 53050 70050 70050 70050 70050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
State College, PA MSA
VERY LOW INCOME 41200 41200 41200 41200 54400 54400 54400 54400
Apply Now LOW INCOME 65900 65900 65900 65900 87000 87000 87000 87000
MOD.INC-GUAR.LOAN 94750 94750 94750 94750 125050 125050 125050 125050
Williamsport, PA MSA
VERY LOW INCOME 33350 33350 33350 33350 44050 44050 44050 44050
Apply Now LOW INCOME 53350 53350 53350 53350 70400 70400 70400 70400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
York-Hanover, PA MSA
VERY LOW INCOME 37150 37150 37150 37150 49050 49050 49050 49050
Apply Now LOW INCOME 59450 59450 59450 59450 78450 78450 78450 78450
MOD.INC-GUAR.LOAN 85450 85450 85450 85450 112800 112800 112800 112800
Sharon, PA HUD Metro FMR Area
VERY LOW INCOME 32350 32350 32350 32350 42750 42750 42750 42750
Apply Now LOW INCOME 51750 51750 51750 51750 68300 68300 68300 68300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bedford County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bradford County, PA
VERY LOW INCOME 31650 31650 31650 31650 41800 41800 41800 41800
Apply Now LOW INCOME 50650 50650 50650 50650 66850 66850 66850 66850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cameron County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clarion County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clearfield County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clinton County, PA
VERY LOW INCOME 30450 30450 30450 30450 40200 40200 40200 40200
Apply Now LOW INCOME 48700 48700 48700 48700 64300 64300 64300 64300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Crawford County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Elk County, PA
VERY LOW INCOME 31400 31400 31400 31400 41450 41450 41450 41450
Apply Now LOW INCOME 50250 50250 50250 50250 66350 66350 66350 66350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Forest County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fulton County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Greene County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Huntingdon County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Indiana County, PA
VERY LOW INCOME 32000 32000 32000 32000 42250 42250 42250 42250
Apply Now LOW INCOME 51200 51200 51200 51200 67600 67600 67600 67600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jefferson County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Juniata County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lawrence County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
McKean County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mifflin County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Northumberland County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Potter County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Schuylkill County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Snyder County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Somerset County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sullivan County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Susquehanna County, PA
VERY LOW INCOME 31350 31350 31350 31350 41400 41400 41400 41400
Apply Now LOW INCOME 50150 50150 50150 50150 66200 66200 66200 66200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tioga County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Union County, PA
VERY LOW INCOME 32200 32200 32200 32200 42550 42550 42550 42550
Apply Now LOW INCOME 51500 51500 51500 51500 68000 68000 68000 68000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Venango County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Warren County, PA
VERY LOW INCOME 30250 30250 30250 30250 39950 39950 39950 39950
Apply Now LOW INCOME 48400 48400 48400 48400 63900 63900 63900 63900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wayne County, PA
VERY LOW INCOME 32100 32100 32100 32100 42400 42400 42400 42400
Apply Now LOW INCOME 51350 51350 51350 51350 67800 67800 67800 67800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 

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