USDA Vs. FHA Pro and Con comparison in Clarks-Summit, Lackawanna County, PA

In 2026, the USDA loan cap for Clarks-Summit, located in Lackawanna county, PA, is $285,000, while the FHA cap for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to evaluate the leading USDA versus FHA rates available today, determining the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to decide which program in Alabama best suits your financial needs.

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2026 Loan Limits and Down Payment Requirements in Clarks-Summit, Lackawanna County, PA

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conforming Conventional $548,250 3%

Exploring USDA and FHA Loan Options in Clarks-Summit, PA

Lendersa® aims to help you secure the best USDA or FHA loan swiftly and with ease. Start with one of three paths to connect with lenders and USDA loan options efficiently.

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Understanding USDA Loans in PA

A USDA home loan is a government-guaranteed mortgage provided by the Department of Agriculture, also known as a USDA rural development loan. Available only in rural areas, this loan requires no down payment, unlike FHA loans which require at least 3.5% down.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Centerbank
  • 744 State Route 28, Milford, OH, 45150
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  • RiverHills Bank
  • 553 Chamber Dr, Milford, OH, 45150
  • RiverHills Bank, formerly New Richmond National Bank, has been serving people just like you and your family in Clermont County for over a century.Investing in the lives of friends and neighbors and keeping your locally earned dollars actively at work in our communities, RiverHills Bank is proud to serve as your community Bank.

  • Christian Family Credit Union
  • 410 Chamber Drive, Milford, OH, 45150
  • When you bank with Christian Family Credit Union you make an investment in kingdom building. The money you have on deposit with us, we use to lend to other Christian families.When you bank with Christian Family Credit Union you make an investment in kingdom building. The money you have on deposit with us, we use to lend to other Christian families.

  • Financial Partners Federal Credit Union
  • 22440 Main Street, Woodburn, IN, 46797
  • Financial Partners Federal Credit Union is a full service financial cooperative. We are a community chartered, federally insured credit union serving all of the residents and employees of East Allen County and their families. Financial Partners has been providing our members with the highest quality financial services since 1965.

  • Fort Bragg Federal Credit Union
  • 4172 Hefner Drive, Fort Bragg, NC, 28310
  • Fort Bragg Federal Credit Union is a not-for-profit financial cooperative owned exclusively by its members & regulated by the National Credit Union Administration. Chartered on April 18, 1960, we exist primarily to promote thrift amongst our members.

    Fort Bragg Federal Credit Union is a local credit union that has served the greater Fort Bragg

  • Lion's Share Federal Credit Union
  • 850 Harrison Road, Salisbury, NC, 28147
  • Lion's Share Federal Credit Union is a full-service financial cooperative that was established in 1982 as Food Lion Credit Association CU. In 2007 our name changed, but our purpose remained the same; to serve only one common bond, the hard working employees and retirees of Delhaize America, along with their family members.

  • Members Choice Credit Union
  • 725 Pine Street, Greenville, OH, 45331
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  • 446 S Broadway, Greenville, OH, 45331
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  • 700 Wayne St, Greenville, OH, 45331
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  • 660 N University Boulevard, Middletown, OH, 45042
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  • ACF Home Loans LLC
  • 1081 North University Boulevard, Suite C, Middletown, OH, 45042
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