In 2026, the USDA loan cap in Luzerne, within Fayette county, PA, is $336,500. Meanwhile, the FHA cap for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates available today, and determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA side by side, assisting you in choosing the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to provide you with the best USDA or FHA loan quickly and easily. Choose one of the three starting options to align with lenders and access the USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is specifically available in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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