USDA and FHA Pro and Con in Exeter, Luzerne County, PA
In 2026, the USDA loan limit for Exeter, within the borders of Luzerne county, PA, is $336,500. Meanwhile, the FHA loan limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to contrast today's top USDA against FHA rates and identify the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loan options side by side, assisting you in determining which program in best fits your particular financial needs.
Loan Limits and Down Payment Requirements for 2026 in Exeter, Luzerne, 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 Exeter, PA
Lendersa® strives to secure the optimal USDA or FHA loan for you swiftly and without hassle. Choose from three pathways that link you with lenders and uncover USDA loan programs.
A USDA home loan, guaranteed by the government Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment at all.
UFCW Community Credit Union is a non-profit financial institution. Our financial services are offered with you as our first priority.
As a member, you have access to a wide range of quality services and benefits. Our financial services are competitively priced and convenient. With all of your personal banking services all in one place.
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.
Penns Woods Bancorp, Inc, is the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ). It was incorporated in Pennsylvania on January 7, 1983, with JSSB as a wholly owned subsidiary and later acquired Luzerne Bank on June 1, 2013. In October 2000, JSSB acquired the M Group, Inc. D/B/A The Comprehensive Financial Group.
Highway Federal Credit Union. Although our services are similar to a bank, our philosophy is quite different. As a member-owned, non-profit financial institution, our credit union is run strictly for the benefit of our members. We strive to provide members with higher yields on savings and lower rates on loans.
CityMark FCU We were originally founded to serve the employees and family members of Wilkes-Barre City. Over the years, we have included Plains Township and Wilkes-Barre Township employees and their family members. In 2016, we were granted a community charter that allows us to serve anyone who lives, works, worships.
Getz Mortgage, Inc., based in Kingston, is a Pennsylvania Licensed Mortgage Broker, owned and operated by Jesse Getz. The company focuses on purchase, refinance and new construction mortgages in Northeastern and Central Pennsylvania. With over 25 years of experience in the mortgage lending industry.
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.
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.
1501 South Memorial Highway, Suite 102, Shavertown, PA, 18708
Lends in Pennsylvania
Back Mountain Federal Credit Union of Shavertown, Pennsylvania has been in service since 1974. We offer prompt, friendly, and courteous service to its members. We have a history of offering very attractive rates due to low overhead and strong expense controls. Our Board of Directors and all committee members are unpaid (volunteer).
