For 2026, the USDA loan cap in Mountain-Top, within Luzerne County, PA, is set at $285,000, while the FHA limit for single-family homes is $356,362.
Leverage the Lendersa® USDA loan calculator to compare the current top USDA versus FHA rates and identify the income, credit, reserves, and documents required to qualify. Our sophisticated mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, assisting in determining which option suits your financial needs in
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| Loan Type | Maximum Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to promptly secure the best USDA or FHA loan for you, with ease. Choose from three methods to identify matching lenders and suitable USDA programs.
A USDA home loan, insured by the Department of Agriculture and also known as a USDA rural development loan, is available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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