USDA Vs. FHA Pro and Con comparison in Edwardsville, Luzerne County, PA

In 2026, 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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2026 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?



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  • Mortgage Options of Texas Limited Company
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  • 7942 Emerald Bluff Court, Houston, TX, 77095
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  • Texas Choice Mortgage Inc
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  • THE HOME EQUITY NETWORK, LLC
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