USDA VS FHA in Freeland, Luzerne County, PA

In 2025, the USDA loan limit for Freeland, within the county of Luzerne, PA, is established at $336,500. In contrast, the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to analyze the best USDA and FHA rates available today, assessing the income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, assisting in determining which program in is most suited to your specific financial needs.

Compare loan offers from 100 lenders

Loan Limits and Down Payment Needs for 2025 in Freeland, County of 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 Freeland, PA

Lendersa® is committed to delivering you the optimal USDA or FHA loan, quickly and without hassle. Choose from one of three pathways that lead to matching lenders and the appropriate USDA loan programs.

Overview of Lendersa USDA loan request and matching results

What is a USDA Loan in PA?

A USDA home loan is guaranteed by the government through the Department of Agriculture. Known as a USDA rural development loan or USDA mortgage, this option is available only in rural neighborhoods. In contrast to FHA loans demanding a 3.5% minimum down payment, USDA loans are accessible with no down payment, presenting a substantial benefit to those eligible.

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



  • Space Coast Financial Services Inc
  • 807 Cheney Highway, Titusville, FL, 32780
  • We were established in August 1989. We offer personal service and we keep you informed of the procgress of your application from state to closing. Space Coast Financial Services, Inc. is the most efficient and simplest way to manage buying a home. We can meet in person or complete the entire process through this website and using email.
  • Heartland Credit Union - Minnesota
  • 5500 South Robert Trail, Inver Grove Heights, MN, 55077
  • Heartland Credit Union is a not-for-profit financial cooperative focused on helping members achieve their financial dreams. Our members enjoy low loan rates, fewer fees and friendly, personal service. At Heartland we take pride in getting to know our members, their stories and their goals.
  • The First State Bank of Rosemount
  • 3025 145th Street West, Rosemount, MN, 55068
  • In 1909 S.A. Netland opened the State Bank of Rosemount. It was the first locally owned independent bank in the city of Rosemount. Mr. Netland also owned banks in Bixby, Northfield, Carlos and Mendota. In 1909 the Bank had a capital of $10,000, and the total cost of the building, including the vault and fixtures was $4,050.
  • Cities Credit Union
  • 3625 Talmage Circle, Suite 102, Vadnais Heights, MN, 55110
  • Cities Credit Union is a full-service financial institution based in Vadnais Heights, Minnesota serving the communities of Vadnais Heights, White Bear Lake, White Bear Township and Gem Lake. We offer all products and services that the big banks do--checking, savings, loans, mortgages, full-service teller counter--but we pride ourselves.
  • Kelley Financial Solutions
  • 1015 State Road 436, Suite 24, Casselberry, FL, 32707
  • The experience learned closing over 1000 mortgage loans we represent your best interests and will custom tailor your loan to meet all your financial goals. We work on the wholesale side with access to all the rates and programs. We use a simple online paperless process and close quickly.
  • Premier Banks
  • 2866 White Bear Avenue, Saint Paul, MN, 55109
  • Chartered in 1974, Premier Bank set up shop as Maplewood State Bank in a trailer on the corner of Beam and White Bear Avenues. Maplewood State Bank was the smallest of the 714 Minnesota Banks. We work as hard as you do each day to earn the privilege to grow together. Focused on an ever brighter financial future.
  • Ideal Credit Union
  • 2401 N McKnight Rd N, Saint Paul, MN, 55109
  • Ideal Credit Union is a not-for-profit, member-owned financial cooperative dedicated to providing financial services and products that deliver true value to our members. At the core of our business philosophy is our promise of friendly, quality service, always keeping in mind that members come first.
  • Metropolitan Services Credit Union
  • 475 Etna Street, Suite 10, Saint Paul, MN, 55106
  • As a member-owned credit union, the first step in opening an account is to open a Share Savings Account with a $5.00 deposit. This deposit represents your share in the Credit Union. It provides you with the privilege of voting for your Board of Directors, Committees and to participate in the variety of services available.
  • Mortgage Financial Group, Inc
  • 1100 E. Alfred Street, Tavares, FL, 32778
  • Mortgage Financial Group, Inc. operated in Mount Dora, FL out of a rented space for approximately 5 years before purchasing what is now its main headquarters in Tavares located in the center of FL respectively. Though a local lender, the company is currently licensed in four states
  • Preferred Bank
  • 205 Main St, Rothville, MO, 64676
  • We have serviced clients since 1904. Our success and growth over the years has come thanks to our unwavering commitment to the communities we serve, to our clients, and to our shareholders and staff. Over the years we have developed a reputation for service and product innovation that sets us apart from other banks
  • Century Financial Group
  • 498 Palm Springs Drive #100, Altamonte Springs, FL, 32701
  • Century Financial Group where we have been providing mortgages to our customers since 2001. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you’re looking for. Each of our NMLS licensed loan officers has a minimum of 20 years experience in the mortgage industry.