USDA Vs. FHA Pro and Con comparison in Berwick, Columbia County, PA
As of 2026, the USDA loan limit in Berwick, located in the county of Columbia, PA, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to evaluate the best current rates for USDA versus FHA loans. Determine the necessary income, credit score, reserves, and documents required for qualification. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program in for your financial needs.
2026 Loan Limits and Down Payment Requirements in Berwick, Columbia, PA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Berwick, PA
Lendersa® aims to quickly provide you with the best possible USDA or FHA loan, free from hassle. Choose one of three starting points that lead to matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. It is available strictly in rural neighborhoods. USDA loans do not require a down payment, in contrast to FHA loans, which demand a minimum of 3.5% down payment.
This type of financing offers a remarkable chance for individuals to secure homes in rural areas without the burden of upfront costs, fostering growth and stability in these communities throughout PA. It plays a vital role in promoting homeownership to those in eligible rural locales, making the dream of owning a home more achievable for many.
First Keystone Community Bank, a subsidiary of First Keystone Corporation (Stock Symbol: FKYS.ob), has been owned and operated by local men and women since 1864. First Keystone Community Bank has grown from one 18'x 25' building in Berwick to eighteen full-service offices throughout Columbia, Luzerne, Monroe and Montour Counties.
First Columbia Bank & Trust Co. has been Columbia County’s community bank for nearly 120 years. With more than $709.5 million in assets as of December 31, 2017, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia and Montour Counties and the surrounding area.
1501 South Memorial Highway, Suite 102, Shavertown, PA, 18708
Lends in Pennsylvania
Back Mountain Federal Credit Union of Shavertown, Pennsylvania has been in service since 1974. We offer prompt, friendly, and courteous service to its members. We have a history of offering very attractive rates due to low overhead and strong expense controls. Our Board of Directors and all committee members are unpaid (volunteer).
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.
1st Federal Credit Union is a full-service financial institution who puts the financial goals of our members at the heart of everything we do. Whether in one of our twelve branches located in Bloomsburg, Danville, Elysburg, Lewisburg, Loyalsock, Mifflinburg, Montandon, Shamokin Dam, Sunbury and Wilkes-Barre, or out-and-about in the community.
MC Federal Credit Union has remained committed to our members and the community. Unlike banks, MC Federal is owned by members and run by members. When we make money, it does not go to shareholders, it goes directly back to our members. As a result, MC Federal has industry leading dividends on deposit accounts. Our business plan is simple: Unbreakab
Central Susquehanna Community Federal Credit Union
530 E Market Street, Danville, PA, 17821
Lends in Pennsylvania
CSC FCU opened in the TRW building in Danville as the TRW Federal Credit Union. When TRW closed its manufacturing plant, we moved our office across the street and changed our membership charter from segment-based to community-based. Continuing to provide great service to our members has always been important to us.
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.
20 N Pennsylvania Boulevard, Wilkes Barre, PA, 18701
Lends in Pennsylvania
Luzerne County Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Luzerne County Federal Credit Union will continue a sound yet progressive asset management strategy.
