USDA Vs. FHA your options comparison in Kingston, Luzerne County, PA
In 2026, the USDA loan limit in Kingston, within Luzerne county, PA is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to examine today's best USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents for qualification with our advanced mortgage calculator that presents USDA, FHA, Conforming, and VA options side by side to help find the ideal fit for your financial circumstances in Alabama.
Examining 2026 Loan Limits and Down Payment Requirements in Kingston, 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 Kingston, PA
Lendersa® is dedicated to helping you secure the most efficient USDA or FHA loan, swiftly and without complications. Start with one of three paths that lead you to matching lenders and USDA loan programs tailored to your needs.
A USDA home loan, guaranteed by the Department of Agriculture, also termed as a USDA rural development loan or mortgage, is strictly available in rural neighborhoods. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans necessitate no down payment whatsoever.
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.
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.
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.
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.
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.
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).
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.
