FHA VS Conventional loan in Kingston, Luzerne County, Pennsylvania

As of 2026, the loan limit for a conventional loan in Kingston, under the jurisdiction of Luzerne county in PA, is set at $726,200. In comparison, the FHA loan limit for single-family homes is $472,030.

Try out Lendersa®'s Conventional loan calculator, which lets you evaluate today's best rates among Conventional, FHA, and USDA loans. Discover the required income, credit level, reserves, and documentation needed for qualification. Through our advanced mortgage calculator, compare Conforming Conventional loans, USDA, FHA, and VA loans side-by-side, aiding you in determining the best program suitable for your financial circumstances in PA.

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2026 Loan Limits and Down Payment Requirements in Kingston, County of Luzerne, PA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table relates to the following zip codes: 18704

Options for Conventional and FHA Loans in Kingston, PA

The goal of Lendersa® is to quickly connect you with the most suitable Conventional, USDA, or FHA loan options without the usual hassle. Choose one out of three available starting points to find matching lenders and personalized loan programs.

Results of a USDA loan request via Lendersa


  • Northstar Mortgage & Realty
  • 950 South Bascom Avenue, Suite 1113, San Jose, CA, 95128
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • University Mortgage Corporation
  • 1101 South Winchester Boulevard, Suite 0-286, San Jose, CA, 95128
  • University Mortgage Corporation mortgage professionals give you the personal attention you deserve and treat you with the respect a valued customer deserves. We understand you're making a commitment in buying a new home, Refinancing and mortgage or cashing out your home equity. So we make a commitment to you. We will help you.

  • Crystal Estates
  • 2239 Moorpark Avenue, Suite 102, San Jose, CA, 95128
  • Crystal Estates With over 19 years of experience in the real estate, mortgage, and construction industry, I’ve gained the experience and expertise to provide outstanding service for my clients in every aspects of a transaction. Whether its a first time home buyer, an experienced investor, a mortgage loan, or just providing advice in general.

  • Olympic Mortgage
  • 2190 Stokes Street, Suite 101, San Jose, CA, 95128
  • Olympic Mortgage was established in April of 1996 by its co-founders, Luis & Cielo Marengo. Together the Marengo family has been a pillar in the San Jose Real Estate Lending Community and have been involved in many community services such as, youth and high school sports coaching and management, PTA services.

  • RAM Capital Corporation
  • 1101 S. Winchester Blvd, Suite H-189, San Jose, CA, 95128
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Arcus Lending
  • 1245 S Winchester Blvd, Suite 209, San Jose, CA, 95128
  • We have been featured on NBC, CBS, FOX, ABC and several other media for our mortgage expertise. We have been named to 2017 Inc 500 list of fastest-growing private companies in America. In the same list, Arcus Lending was named the 3rd fastest growing mortgage company in the country.

  • Seawest Coast Guard Credit Union
  • PO Box 4949, Oakland, CA, 94605
  • When you start a credit union from the ground up, you know a few things about trustworthiness, personal service, and good faith. We don’t keep your money in a shoebox anymore. But we are committed to showing those same principles to everyone who works with us today. We want to help people weather life’s storms and celebrate the sunny days with them

  • The Money Market, Inc.
  • 39899 Balentine Drive, Newark, CA, 94560
  • We Are The Amazon for Mortgage Solutions, your One-Stop Shop for real estate loans. We fund both residential and commercial. We can fund your fix and flips up to 100% of the acquisition and 100% of the rehab. We Fund QM (Agency) ranging from FHA, VA, USDA, Conforming, Conventional, and Jumbo Loans. We also fund non-QM loans for self-employed and

  • TeamMotta
  • 37600 Central Court, Suite 264, Newark, CA, 94560
  • American National Insurance Company’s philosophy is to not spend money in mass-marketing or national advertising campaigns – instead America National concentrate on developing better products with meaningful coverages, better overall pricing, sustaining the reputation for outstanding claims service.

  • Best Rate Mortgage
  • 39899 Balentine Drive, Suite 200, Newark, CA, 94560
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan