USDA Vs. FHA your options comparison in Fairview, Luzerne County, PA
In 2026, the USDA loan ceiling for properties in Fairview, located within Luzerne County of PA, reaches $336,500. In contrast, the FHA loan limit for a single-family dwelling in this area is $472,030. Understanding these limits is essential for anyone seeking to purchase a home, allowing for informed financial planning based on available loan options.
Utilize the Lendersa® USDA loan calculator to effectively compare today's top USDA versus FHA rates, while determining important qualifications such as required income, credit rating, reserves, and documentation. Our advanced mortgage calculator offers a side-by-side assessment of USDA, FHA, Conforming, and VA programs, aiding in selecting the most fitting financial solution for your needs within . This comprehensive approach ensures you are well-equipped to make a judicious decision regarding your mortgage options.
2026 Loan Limits and Down Payment Requirements in Fairview, Luzerne County, PA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Pathways in Fairview, PA
Lendersa® is dedicated to assisting you in securing an optimal USDA or FHA loan swiftly and effortlessly. Choose from three strategic starting points to find matching lenders and USDA loan programs perfectly suited to your financial goals. This approach caters to varying borrower preferences, ensuring access to beneficial loan conditions.
A USDA home loan, endorsed by the U.S. Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively available for rural properties. This type of loan is particularly attractive as it does not require any down payment, setting it apart from FHA loans, which demand a minimum 3.5% down payment. For those looking at properties in rural areas, the USDA loan provides a substantial financial advantage and facilitates homeownership without an initial financial burden.
254 South Washington Street, Wilkes Barre, PA, 18701
Lends in Pennsylvania
The Saint Nicholas Federal Credit Union is a member of the Northeast Pennsylvania Chapter of Credit Unions.
Federal credit unions are regulated by the National Credit Union Administration. A federal examiner audits the operation of each credit union once a year. Saint Nicholas Federal Credit Union has been a Federal credit union since 1938.
20 N Pennsylvania Boulevard, Wilkes Barre, PA, 18701
Lends in Pennsylvania
Luzerne County Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Luzerne County Federal Credit Union will continue a sound yet progressive asset management strategy.
The Credit Union was established as The Wilkes-Barre Federal Credit Union on March 7, 1936 for employees of the Wilkes-Barre Post Office and other Luzerne County Post Offices. It wasn’t until 1970 that Corner Post FCU opened its first office on a part-time basis. In 1971, we reached a major milestone of our first million dollars in assets.
Navient (Nasdaq: NAVI) is a leader in education loan management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. The company helps its clients and millions of Americans achieve financial success through services and support.
VAntage Trust Federal Credit Union has been serving its members since 1948 when it was founded by the employees of the VA Medical Center, Wilkes-Barre, Pennsylvania. We now serve over 8, 000 members. Our membership also includes members from 70 active Select Employee Groups (SEG). We are chartered by the federal government.
Cross Valley FCU was chartered by the National Credit Union Association in February 1969.Originally chartered as the Wilkes-Barre Federal Employees Federal Credit Union, its sponsor was the Data Operations Center of Social Security in Wilkes-Barre. Subsequent expansion of the Federal Charter was approved by NCUA to include Select Employee Groups.
Choice One Community Credit Union is a member-owned and operated, not-for-profit financial cooperative, chartered under federal law. We strive to provide outstanding financial products, exceptional personal service and to always maintain the safety and soundness of members’ funds.
John E Young has been in the Mortgage Industry for 18 years and Licensed by PA Department of Banking for the past 15 years. In less than 3 years as a Mortgage Originator, he was able to open his own Mortgage Company, and over 85% of his company’s business comes from referrals.John has helped many clients fix and analyze their credit reports.
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.
