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Could a USDA loan work where I want to buy in Pennsylvania?

The short answer

Possibly. Much of Pennsylvania outside the larger metro areas is eligible, and the program allows no down payment within household income limits.

5 min read

Two eligibility tests

First the property. Eligibility is determined by mapped area, and a surprising amount of the Commonwealth qualifies, including many small boroughs and townships within a short drive of employment centers.

Second the household. Income limits apply to the entire household, not only the borrowers, and vary by county and household size.

What you give up and gain

The program allows no down payment, which is its central advantage. In exchange there are guarantee fees, property condition standards, and it is limited to a primary residence.

For buyers with steady income and limited savings who are open to a rural or small town address, it is frequently the strongest option available.

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Back to the Pennsylvania Programs path
Corie Adams Lending Team

Corie Adams
Producing Branch Manager · NMLS #1875205
Network Funding, LP · NMLS ID #2297

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Corie Adams Lending Team is a branch of Network Funding, LP. Network Funding, LP, NMLS ID #2297, is an Equal Housing Opportunity Lender. Licensing and state disclosures are available through Disclosures & Licensing and NMLS Consumer Access (www.nmlsconsumeraccess.org). This website is not a commitment to lend. Rates, programs, payments, and qualification requirements are subject to change without notice and may vary based on individual circumstances.

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