FHA VS Conventional loan in Dallas, Luzerne County, Pennsylvania
In 2026, the conventional loan ceiling in Dallas, found in Luzerne county of PA, stands at $726,200, whereas the limit for FHA loans is $472,030 for single-family residences.
The Lendersa® Conventional loan calculator is your tool for comparing the current best rates between Conventional, FHA, and USDA loans. It helps determine the required income, credit, reserves, and necessary documentation for qualification. You can pit Conforming Conventional loans against USDA, FHA, and VA loans using our sophisticated mortgage calculator to decide on the best program in PA for your particular financial scenario.
Loan ceiling and down payment requirements for 2026 in Dallas, within Luzerne, PA
Type of Loan
Maximum Loan
Required Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison chart is applicable to the following zip codes: 18612
Conventional and FHA loan possibilities in Dallas, PA
Lendersa® aims to swiftly secure the best Conventional, USDA, or FHA loan for you, keeping the process simple. Start by selecting one of three initial steps that align you with matching lenders and loan options.
UFCW Community Credit Union is a non-profit financial institution. Our financial services are offered with you as our first priority.
As a member, you have access to a wide range of quality services and benefits. Our financial services are competitively priced and convenient. With all of your personal banking services all in one place.
Penns Woods Bancorp, Inc, is the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ). It was incorporated in Pennsylvania on January 7, 1983, with JSSB as a wholly owned subsidiary and later acquired Luzerne Bank on June 1, 2013. In October 2000, JSSB acquired the M Group, Inc. D/B/A The Comprehensive Financial Group.
Getz Mortgage, Inc., based in Kingston, is a Pennsylvania Licensed Mortgage Broker, owned and operated by Jesse Getz. The company focuses on purchase, refinance and new construction mortgages in Northeastern and Central Pennsylvania. With over 25 years of experience in the mortgage lending industry.
Navient (Nasdaq: NAVI) is a leader in education loan management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. The company helps its clients and millions of Americans achieve financial success through services and support.
254 South Washington Street, Wilkes Barre, PA, 18701
Lends in Pennsylvania
The Saint Nicholas Federal Credit Union is a member of the Northeast Pennsylvania Chapter of Credit Unions.
Federal credit unions are regulated by the National Credit Union Administration. A federal examiner audits the operation of each credit union once a year. Saint Nicholas Federal Credit Union has been a Federal credit union since 1938.
The Credit Union was established as The Wilkes-Barre Federal Credit Union on March 7, 1936 for employees of the Wilkes-Barre Post Office and other Luzerne County Post Offices. It wasn’t until 1970 that Corner Post FCU opened its first office on a part-time basis. In 1971, we reached a major milestone of our first million dollars in assets.
P&G Mehoopany Employees Federal Credit Union is a not-for-profit cooperative financial institution that is owned and controlled by the members. The Credit Union is not-for-profit, not for charity but for service. The Credit Union provides many of the same products and services as other financial institutions.
Whitehall Mortgage has been providing Residential Home Mortgage Loans throughout the Commonwealth of Pennsylvania for over three decades. The father and son duo, Douglas and Dallas, use their Northeasten PA roots and knowledge to best serve this area with the best mortgage service.
VAntage Trust Federal Credit Union has been serving its members since 1948 when it was founded by the employees of the VA Medical Center, Wilkes-Barre, Pennsylvania. We now serve over 8, 000 members. Our membership also includes members from 70 active Select Employee Groups (SEG). We are chartered by the federal government.
