USDA VS FHA in Edwardsville, Luzerne County, PA

In 2025, the USDA loan limit in Edwardsville, part of Luzerne county, PA, is set at $336,500. Conversely, the FHA loan limit for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s prime USDA and FHA rates while determining the necessary income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in deciding which program in is most suitable for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Edwardsville, Luzerne 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 Edwardsville, PA

The aim of Lendersa® is to swiftly connect you with the best USDA or FHA loans without any hassle. Start by selecting one of three approaches for finding matched lenders and USDA financial programs.

Lendersa USDA loan request and results

Defining USDA Loans in PA

The USDA home loan, supported by the U.S. Department of Agriculture and commonly known as the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA loans have no down payment requirement, making them a very attractive option for qualified applicants.

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



  • Century Bank of Florida
  • 716 West Fletcher Avenue, Tampa, FL, 33612
  • Century Bank of Florida was established to be a locally owned community bank, serving the financial needs of individuals, not-for-profit organizations. Our mission is to make a profit for the shareholders, provide personalized quality financial services at competitive prices, and to maximize earnings, while operating in a safe and sound manner.
  • Thomas My Mortgage Guy
  • 3820 Northdale Blvd, Suite 111A, Tampa, FL, 33624
  • Thomas My Mortgage Guy specialize in loans for self-employed borrowers that do not require tax returns. Along with new home purchases, refinances, VA, contract-for-deed, and diverse mortgage solutions for unique circumstances. My passion, honesty, and forward thinking have made me a trusted leader and colleague.
  • USF Federal Credit Union
  • 13302 USF Palm Drive, Tampa, FL, 33612
  • USF Federal Credit Union, we realize that everyone needs a little help every now and then, and that’s what we’re all about. We’re here to help University of South Florida’s faculty, staff, students, alumni association members and their families with their financial needs. We’ve been helping people since 1959.
  • American Nationwide Mortgage Company Inc.
  • 3820 Northdale Blvd, Suite 111A, Tampa, FL, 33624
  • American Nationwide Mortgage Company was established over 21 years ago. Our company’s mission is to assist the borrower in obtaining competitive rates while obtaining the highest expectation of service and customer satisfaction. We know that interest rates alone are not enough. As a result we provide an exceptionally high level of service
  • United Consumers Credit Union
  • 1111 E 23rd Street, Independence, MO, 64050
  • Since 1941, United Consumers has been providing its members with an alternative to increasingly expensive banking services. The credit union is a not-for-profit financial institution owned by the members who join. Benefits of membership include lower rates on loans, higher rates on investments
  • Independence Federal Credit Union
  • 301 West Lexington Avenue, Suite 260, Independence, MO, 64050
  • In 1963 Independence Federal Credit Union was chartered by the Independence Postal Workers to serve any Federal employee that worked in Independence. Over the years we have extended the membership to include the following: Civilian employees and military personnel who work at or are attached to the Lake City Ammunition plant
  • Square One Realty & Property Solutions LLC
  • 800 West Maple Avenue, Independence, MO, 64050
  • Square One Solutions is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,
  • Breda Savings Bank
  • 105 Main Street, Breda, IA, 51436
  • Bank of Breda of Frazier and Frazier originated August 4, 1890. The bank had its first depositor the following day and one month later the bank had ten depositors. Records indicate the bank was paying 8% interest on Time Certificates in September of 1896. The bank was incorporated on January 17, 1906, and the name changed to Breda Savings Bank.