USDA VS FHA in Clarks-Summit, Lackawanna County, PA

In 2025, 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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2025 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.

  1. Submit the most comprehensive USDA/FHA loan request
  2. Investigate USDA and FHA rates & conditions first
  3. Access the largest USDA loans lender database
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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.

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  • Tioga State Bank, National Association
  • 1430 Upper Front St, Binghamton, NY, 13901
  • Tioga State Bank has been providing loans to business customers and forming long lasting relationships for over 150 years. We believe it’s in your best interest to have a working relationship with a local banker; one that takes time to learn your business. We know what it takes for a business to get started and to succeed. As local bankers, we know

  • Visions Federal Credit Union
  • 24 McKinley Avenue, Endicott, NY, 13760
  • At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.

  • UHS Employees Federal Credit Union
  • 33-57 Harrison Street, Johnson City, NY, 13790
  • UHS Employees Federal Credit Union has been open since 1974. The credit union has assets totaling $23.59 Million and provides banking services to more than 3, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,

  • Guthrie Community Credit Union
  • 104 N Elmer Avenue, Sayre, PA, 18840
  • Guthrie Community Credit Union is a member-owned, not-for-profit financial cooperative. GCCU is federally insured by NCUA and an Equal Housing Lender Guthrie Community Credit Union is a full-service financial institution based in Sayre, PA.Our Mission is to provide members with the highest quality financial services.

  • The Neffs National Bank
  • 5629 PA Route 873, Neffs, PA, 18065
  • The Neffs National Bank is an independent community bank that takes pride in being community-oriented and providing quality customer service From its modest beginning, the growth of the bank has been influenced by the prosperity of the local communities. Individuals and businesses continue to contribute to promoting community-oriented.

  • Northampton Area School District Employees Credit Union
  • 2014 Laubach Avenue, Northampton, PA, 18067
  • A Credit Union is organized by members of a group having a common bond. The Northampton Area School District Employees Federal Credit Union is comprised of public school employees, this being the common bond. The Northampton Area School District Employees Federal Credit Union began in 1939.

  • The Muncy Bank and Trust Company
  • 2 N Main Street, Muncy, PA, 17756
  • The Muncy Banking Company opened its doors on November 1, 1893 and was the direct result of a few Muncy businessmen under the leadership of Lewis S. Smith. Smith, one of Muncy's most successful store owners, could see the need to maintain two banks in the community. One of Muncy's two banks had recently ceased to exist.

  • PALCO Federal Credit Union
  • 191 Chad Road, Muncy, PA, 17756
  • PALCO is a member-owned, not-for-profit financial cooperative. Members help members by pooling their money, which PALCO is then available to lend to their fellow members. PALCO's income, after expenses and reserves, is returned directly to members in the form of lower rates on loans, higher dividends on savings, and many no-fee services.

  • First Hope Bank
  • 1301 Hope Bridgeville Road, Hope, NJ, 07844
  • First Hope Bank is a family operated community bank that has been in operation since 1911. We are a full-service bank with products ranging from deposit accounts to loans to investment and insurance products offered by either our Trust Department or Raymond James Financial Services, Inc.

  • New Tripoli Bank
  • 6748 Madison Street, New Tripoli, PA, 18066
  • New Tripoli Bank is dedicated to remaining independent and providing the financial needs of individuals, families, and small businesses in the Lehigh Valley by providing high-quality, competitively priced services in a caring, friendly environment. Our success is directly linked to the growth and vitality of our community.

  • The Turbotville National Bank
  • 4710 State Route 54, Turbotville, PA, 17772
  • For over 100 years, the bank has strived to live up to its motto of “Large enough to serve you, small enough to know you, and strong enough to protect you.” As our industry and community continue to evolve, the bank will seek new avenues to serve you better, become stronger to protect you more, and remain a friend to each one of their customers

  • Mortgage America, Inc.
  • 1425 Grape Street, Whitehall, PA, 18052
  • Mortgage America has been the #1 lender in Eastern PA and Berks County for over 30 years with 8 billion dollars in originations and thousands of loans serviced. From your first call to after closing, Mortgage America is here to serve you.Mortgage America has been the #1 lender in Eastern PA
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