Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Pennsylvania. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Pennsylvania Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Allentown-Bethlehem-Easton, PA HUD Metro FMR Area | $323,000 | $408,000 |
| Altoona, PA MSA | $306,000 | $391,000 |
| Armstrong County, PA HUD Metro FMR Area | $306,000 | $391,000 |
| Bedford County, PA | $306,000 | $391,000 |
| Bradford County, PA | $306,000 | $391,000 |
| Cameron County, PA | $306,000 | $391,000 |
| Chambersburg-Waynesboro, PA MSA | $306,000 | $408,000 |
| Clarion County, PA | $306,000 | $391,000 |
| Clearfield County, PA | $306,000 | $391,000 |
| Clinton County, PA | $306,000 | $391,000 |
| Columbia County, PA HUD Metro FMR Area | $306,000 | $391,000 |
| Crawford County, PA | $306,000 | $391,000 |
| East Stroudsburg, PA MSA | $323,000 | $408,000 |
| Elk County, PA | $306,000 | $391,000 |
| Erie, PA MSA | $306,000 | $391,000 |
| Forest County, PA | $306,000 | $391,000 |
| Fulton County, PA | $306,000 | $391,000 |
| Gettysburg, PA MSA | $323,000 | $417,000 |
| Greene County, PA | $306,000 | $391,000 |
| Harrisburg-Carlisle, PA MSA | $323,000 | $417,000 |
| Huntingdon County, PA | $306,000 | $391,000 |
| Indiana County, PA | $306,000 | $391,000 |
| Jefferson County, PA | $306,000 | $391,000 |
| Johnstown, PA MSA | $306,000 | $391,000 |
| Juniata County, PA | $306,000 | $391,000 |
| Lancaster, PA MSA | $306,000 | $408,000 |
| Lawrence County, PA | $306,000 | $391,000 |
| Lebanon, PA MSA | $306,000 | $391,000 |
| McKean County, PA | $306,000 | $391,000 |
| Mifflin County, PA | $306,000 | $391,000 |
| Montour County, PA HUD Metro FMR Area | $306,000 | $391,000 |
| Northumberland County, PA | $306,000 | $391,000 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | $357,000 | $466,000 |
| Pike County, PA HUD Metro FMR Area | $306,000 | $391,000 |
| Pittsburgh, PA HUD Metro FMR Area | $323,000 | $417,000 |
| Potter County, PA | $306,000 | $391,000 |
| Reading, PA MSA | $306,000 | $408,000 |
| Schuylkill County, PA | $306,000 | $391,000 |
| Scranton--Wilkes-Barre, PA MSA | $306,000 | $391,000 |
| Sharon, PA HUD Metro FMR Area | $306,000 | $391,000 |
| Snyder County, PA | $306,000 | $391,000 |
| Somerset County, PA | $306,000 | $391,000 |
| State College, PA MSA | $357,000 | $466,000 |
| Sullivan County, PA | $306,000 | $391,000 |
| Susquehanna County, PA | $306,000 | $391,000 |
| Tioga County, PA | $306,000 | $391,000 |
| Union County, PA | $306,000 | $391,000 |
| Venango County, PA | $306,000 | $391,000 |
| Warren County, PA | $306,000 | $391,000 |
| Wayne County, PA | $306,000 | $391,000 |
| Williamsport, PA MSA | $306,000 | $391,000 |
| York-Hanover, PA MSA | $306,000 | $408,000 |
