USDA Vs. FHA your options comparison in Muncy, Lycoming County, PA
In 2026, the USDA loan limit in Muncy, Lycoming county, PA, is $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to assess and compare the best USDA against FHA rates today. It determines the income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator allows for a side-by-side evaluation of USDA, FHA, Conforming, and VA programs, aiding you in selecting the most suitable option in based on your financial situation.
Loan Limits and Downpayment Requirements in Muncy, Lycoming, PA for 2026
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Muncy, PA
Lendersa® aims to secure the best USDA or FHA loans for you efficiently and hassle-free. Choose from three starting points to match with lenders offering USDA loan programs.
A USDA home loan, also known as a USDA rural development loan, is guaranteed by the Department of Agriculture. Offered exclusively in rural areas, it doesn’t require a down payment, unlike FHA loans which require at least 3.5% down.
The Muncy Banking Company opened its doors on November 1, 1893 and was the direct result of a few Muncy businessmen under the leadership of Lewis S. Smith. Smith, one of Muncy's most successful store owners, could see the need to maintain two banks in the community. One of Muncy's two banks had recently ceased to exist.
PALCO is a member-owned, not-for-profit financial cooperative. Members help members by pooling their money, which PALCO is then available to lend to their fellow members. PALCO's income, after expenses and reserves, is returned directly to members in the form of lower rates on loans, higher dividends on savings, and many no-fee services.
For over 100 years, the bank has strived to live up to its motto of “Large enough to serve you, small enough to know you, and strong enough to protect you.” As our industry and community continue to evolve, the bank will seek new avenues to serve you better, become stronger to protect you more, and remain a friend to each one of their customers
999 North Loyalsock Avenue, Suite A, Montoursville, PA, 17754
Lends in Pennsylvania
The Montoursville Area FCU is a member owned & operated, not for profit financial cooperative striving to meet the financial needs of its members. The mission of our credit union is to serve our members needs by providing competitive rates for savings and loans. We will seek to maintain the financial stability and steady growth of our organization.
AVCO was the first Select Employer Group to belong to the credit union. As the credit union allowed more Select Employer Groups to join, the membership became more diverse and geographically disbursed. In 1995 the credit union changed its name to West Branch Valley Federal Credit Union to be more representative of its membership area.
In 1989, a small group of entrepreneurs decided to establish a new community bank in Lycoming County. Many of the existing banks had merged and had grown to a size where personalized service had become only a slogan. These entrepreneurs saw, firsthand, the deteriorating service level of many of the banks in the area.
Susquehanna Community Bank was founded March 13, 1920, with 201 accounts and resources of $49, 000 in the village of West Milton, PA along the Susquehanna River. As our resources grew, so did our success. In 2020, we were ranked 63rd in the Nation as a Top Community Bank by US Banker Magazine
Milton Savings Bank provides high-quality products and services and is pleased to be the premier community bank in the communities we serve. We are proud to have the financial strength and commitment to meet the needs of our community as we have done in the past and will continue to do today and tomorrow.
Pinpoint Federal Credit Union is a member-owned financial cooperative founded in Milton, PA. The Credit Union, originally named Northumberland County Schools Federal Credit Union was chartered in 1956 by a small group of teachers who wanted to offer low-cost financial services to other teachers and make a positive difference.
