USDA and FHA Pro and Con in Delaware, Northumberland County, PA
In 2026, the USDA loan limit for Delaware, part of Northumberland County in PA, is $336,500. Meanwhile, the FHA limit for a single-family home in the same area is $472,030. Knowing these limits is vital for setting a clear financial strategy for home purchasing.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. It helps identify the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding in selecting the ideal choice for your financial situation in . This ensures well-informed decisions backed by thorough analysis.
2026 Loan Limits and Down Payment Requirements in Delaware, Northumberland County, PA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Delaware, PA
Lendersa® aims to efficiently secure the best USDA or FHA loans for you. Choose one of three starting options that lead you to matching lenders and USDA loan programs suited to your needs with minimal hassle.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans require no down payment, offering significant advantages for eligible rural buyers.
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
Susquehanna Community Bank was founded March 13, 1920, with 201 accounts and resources of $49, 000 in the village of West Milton, PA along the Susquehanna River. As our resources grew, so did our success. In 2020, we were ranked 63rd in the Nation as a Top Community Bank by US Banker Magazine
Milton Savings Bank provides high-quality products and services and is pleased to be the premier community bank in the communities we serve. We are proud to have the financial strength and commitment to meet the needs of our community as we have done in the past and will continue to do today and tomorrow.
Pinpoint Federal Credit Union is a member-owned financial cooperative founded in Milton, PA. The Credit Union, originally named Northumberland County Schools Federal Credit Union was chartered in 1956 by a small group of teachers who wanted to offer low-cost financial services to other teachers and make a positive difference.
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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
