The Section 502 Direct Loan Program, also known as USDA Direct Loans, is a program that aids low and very-low-income individuals purchase decent healthy, safe and clean housing in eligible rural areas. That’s accomplished though offering payment assistance which boosts a borrower’s capacity to repay. This payment assistance can be described as a form of subsidy that lowers the mortgage repayment for a brief period, and the amount of assistance is contingent upon the adjusted family income. USDA Section 502 Direct Loans in Pennsylvania aren’t the same thing as USDA Section 502 Guaranteed Loans in Pennsylvania. The USDA Guaranteed Loan Program is more popular and accommodates a wider range of applicant incomes.

Can I get a USDA Direct Loan in Pennsylvania?

USDA Loan RequirementsUSDA Direct Loans in Pennsylvania are low income loans that can be used to purchase homes in rural areas. To qualify for Direct Loans, applicants must have low or very low income, which is defined by the USDA as 50% to 80% of the Area Median Income (AMI). Like other rural housing loan programs, USDA Direct Loans are a mortgage with no down payment. The median income for the entire state of PA is $61,744, although that figure may vary from county to county. The maximum yearly income limits for Pennsylvania USDA Direct Loan approval are listed below. Other than meeting Pennsylvania USDA Direct Loan income limits, applicants must adhere to the following criteria to be eligible:

  • You have no decent clean, safe, and sanitary housing presently.
  • You can’t be able to get a mortgage from another source with terms and conditions that could reasonably expected to be met.
  • You must use this property for your primary residence.
  • You must possess the legal capacity to be able to contract a loan
  • You must meet citizenship or eligible noncitizen requirements.
  • You can’t be barred or suspended from participation in federal programs.

Additionally, the subject property must meet the following conditions:

  • Be a modestly sized home for that area.
  • Market value can’t be in excess of the areas applicable loan limit.
  • Can’t be designed for the production of income.

What areas in PA are eligible for USDA Direct Loans?

The property in question must be in an approved rural area. USDA Rural Development provides a webpage where you can search specific addresses in PA here.

How much can I borrow with a USDA Direct Home Loan?

The size of the mortgage that an applicant’s eligible for depends on their ability to repay. Rural Development takes into account income, assets, debt, and payment assistance when weighing eligibility for USDA Direct home loans. No matter what the repayment ability is, you can’t borrow more than the local loan limit for the county where the home is located.

Are there other mortgage options with low down payment or no down payment in Pennsylvania?

Yes, there may be other low down payment mortgage options, and no down payment mortgage options in Pennsylvania besides USDA Direct Loans. You can begin by researching Pennsylvania USDA Guaranteed Loans, Pennsylvania FHA Loans, and Pennsylvania VA Loans if you’re a veteran in PA or qualified family member. You may also want to look into helpful programs for down payment assistance in Pennsylvania.

Pennsylvania USDA Direct Loan Maximum Income Limits

1 Person
2 Person
3 Person
4 Person
5 Person
Allentown-Bethlehem-Easton, PA HUD Metro FMR Area $62,700$62,700 $62,700$62,700 $82,750
Altoona, PA MSA $52,100$52,100 $52,100$52,100 $68,750
Armstrong County, PA HUD Metro FMR Area $52,000$52,000 $52,000$52,000 $68,650
Bedford County, PA $50,550$50,550 $50,550$50,550 $66,750
Bradford County, PA $52,650$52,650 $52,650$52,650 $69,500
Cameron County, PA $50,550$50,550 $50,550$50,550 $66,750
Chambersburg-Waynesboro, PA MSA $61,100$61,100 $61,100$61,100 $80,650
Clarion County, PA $50,550$50,550 $50,550$50,550 $66,750
Clearfield County, PA $50,550$50,550 $50,550$50,550 $66,750
Clinton County, PA $50,550$50,550 $50,550$50,550 $66,750
Columbia County, PA HUD Metro FMR Area $52,550$52,550 $52,550$52,550 $69,350
Crawford County, PA $50,550$50,550 $50,550$50,550 $66,750
East Stroudsburg, PA MSA $63,050$63,050 $63,050$63,050 $83,250
Elk County, PA $52,000$52,000 $52,000$52,000 $68,650
Erie, PA MSA $53,450$53,450 $53,450$53,450 $70,550
Forest County, PA $50,550$50,550 $50,550$50,550 $66,750
Fulton County, PA $50,550$50,550 $50,550$50,550 $66,750
Gettysburg, PA MSA $63,500$63,500 $63,500$63,500 $83,800
Greene County, PA $50,950$50,950 $50,950$50,950 $67,250
Harrisburg-Carlisle, PA MSA $64,900$64,900 $64,900$64,900 $85,650
Huntingdon County, PA $50,550$50,550 $50,550$50,550 $66,750
Indiana County, PA $51,850$51,850 $51,850$51,850 $68,450
Jefferson County, PA $50,550$50,550 $50,550$50,550 $66,750
Johnstown, PA MSA $51,350$51,350 $51,350$51,350 $67,800
Juniata County, PA $50,700$50,700 $50,700$50,700 $66,900
Lancaster, PA MSA $60,950$60,950 $60,950$60,950 $80,450
Lawrence County, PA $52,000$52,000 $52,000$52,000 $68,650
Lebanon, PA MSA $57,300$57,300 $57,300$57,300 $75,650
McKean County, PA $50,550$50,550 $50,550$50,550 $66,750
Mifflin County, PA $50,550$50,550 $50,550$50,550 $66,750
Montour County, PA HUD Metro FMR Area $59,200$59,200 $59,200$59,200 $78,150
Northumberland County, PA $50,550$50,550 $50,550$50,550 $66,750
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA $72,100$72,100 $72,100$72,100 $95,150
Pike County, PA HUD Metro FMR Area $60,300$60,300 $60,300$60,300 $79,600
Pittsburgh, PA HUD Metro FMR Area $63,900$63,900 $63,900$63,900 $84,350
Potter County, PA $50,550$50,550 $50,550$50,550 $66,750
Reading, PA MSA $61,050$61,050 $61,050$61,050 $80,600
Schuylkill County, PA $52,150$52,150 $52,150$52,150 $68,850
Scranton--Wilkes-Barre, PA MSA $53,600$53,600 $53,600$53,600 $70,750
Sharon, PA HUD Metro FMR Area $52,150$52,150 $52,150$52,150 $68,850
Snyder County, PA $51,350$51,350 $51,350$51,350 $67,800
Somerset County, PA $50,550$50,550 $50,550$50,550 $66,750
State College, PA MSA $72,500$72,500 $72,500$72,500 $95,700
Sullivan County, PA $50,550$50,550 $50,550$50,550 $66,750
Susquehanna County, PA $51,100$51,100 $51,100$51,100 $67,450
Tioga County, PA $50,550$50,550 $50,550$50,550 $66,750
Union County, PA $54,150$54,150 $54,150$54,150 $71,500
Venango County, PA $50,550$50,550 $50,550$50,550 $66,750
Warren County, PA $50,550$50,550 $50,550$50,550 $66,750
Wayne County, PA $53,350$53,350 $53,350$53,350 $70,400
Williamsport, PA MSA $53,350$53,350 $53,350$53,350 $70,400
York-Hanover, PA MSA $61,300$61,300 $61,300$61,300 $80,900

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

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