USDA Loan Vs. FHA loan for Clarks-Summit, PA 2026

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.

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.

Results for Lendersa USDA loan requests and matching

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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Clarks-Summit Lenders
(570) 587-0655 Lender's profile and map Citizens Savings Bank 500 South State Street, Clarks Summit, PA, 18411 Lends in Pennsylvania Citizens Savings Bank is a local community bank that has been serving Northeastern PA for over 100 years. We have 7 locations and offer 24/7 online services such as mobile banking with mobile check deposit & online banking and bill pay. Customers can easily open an account or apply for a loan online.
(570) 319-1795 Lender's profile and map Hemisphere Home Loans 421 Northern Boulevard South, Abington Township, PA, 18411 Lends in Pennsylvania Hemisphere Home Loans is licensed by the Pennsylvania Department of Banking & Securities. We have been helping homeowners achieve their goals since 1999. We take pride in providing a professional yet personal experience for each and every borrower steve has been in the mortgage industry for over 25 years and takes pride in helping each borrower.
(570) 955-1700 Lender's profile and map Peoples Security Bank and Trust Company 150 North Washington Avenue, Scranton, PA, 18503 Lends in Pennsylvania Peoples Security Bank & Trust Company is headquartered in Scranton, Pennsylvania, and is one of the largest community banks in Eastern Pennsylvania, with a footprint stretching from Binghamton, New York down through the Endless Mountains into the Greater Scranton Area, the Poconos, Lehigh Valley, Greater Delaware Valley, Greater Pittsburgh Region i
(570) 348-9192 Lender's profile and map Scranton Times Downtown Federal Credit Union 129 Penn Avenue, Scranton, PA, 18503 Lends in Pennsylvania Scranton Times Downtown Federal Credit Union traces its roots back to 1963 when our country was experiencing economic and social uncertainty. Our original field of membership began with the Scranton Times employees, as well as the employees of WEJL radio station and the Scranton Engraving Company.
(570) 342-2720 Lender's profile and map Penn East Federal Credit Union 441 N 7th Avenue, Scranton, PA, 18503 Lends in Pennsylvania Penn East was chartered on May 3, 1938 as “Scranton, Pennsylvania Teachers FCU” and was awarded charter number 2742. On June 28, 1974 the name was changed to “Scranton and NE Educational Federal Credit Union”. The final name change occurred on December 21, 1994 when the credit union changed its name to “Penn East Federal Credit Union”.
(570) 961-5300 Lender's profile and map NET Credit Union 119 Mulberry Street, Scranton, PA, 18503 Lends in Pennsylvania NET Credit Union We can service all of your personal finance needs - from everyday checking (with no fees) to saving for long-term. Check out our low-interest rates on all types of loans.and also NET Credit Union is non-profit bank located in Northeastern, Pennsylvania. All employees are trained credit score specialist.
(570) 382-3686 Lender's profile and map Kapital Mortgage Lending LLC 329 Penn Avenue, Suite 200, Scranton, PA, 18503 Lends in Pennsylvania We are an Independent Mortgage Broker Where We Work For You! Our goal is to find the best mortgage for your lifestyle. Unlike the big banks we specialize in just Mortgages. We partner with several lenders & have access to lower wholesale rates.We act as your personal loan shopper & can get you to the closing table in as little as 21 days or less.
(570) 348-2140 Lender's profile and map CMC-FCPI Employees Federal Credit Union 415 Colfax Avenue, Scranton, PA, 18510 Lends in Pennsylvania The CMC Employees FCU was established in 1975. On January 1, 1991 FCPI FCU merged with CMC Employees FCU creating CMC-FCPI Employees FCU. Our field of membership includes: employees, doctors, medical staff, and technicians of the Geisinger Community Medical Center who work in Scranton.
(800) 538-3847 Lender's profile and map Whitehall Mortgage Financial 306 S Keyser Ave, Old Forge, PA, 18518 Lends in Pennsylvania 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.