USDA and FHA Pro and Con in North-Beaver, Lawrence County, PA

In 2025, USDA loan limit in North-Beaver, county of Lawrence, PA is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in North-Beaver, county of Lawrence, PA

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in North-Beaver, PA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Pennsylvania?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • LM Federal Credit Union
  • 101 Chesapeake Park Plaza, Middle River, MD, 21220
  • 1949 Credit Union is organized by the employees of the Glen L. Martin Aircraft Company in Baltimore. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves manufacturing employees. Membership is also open to immediate family of current members.
  • RESIDENTIAL MORTGAGE SOLUTIONS
  • 1515 Martin Blvd., Baltimore, MD, 21220
  • Residential Mortgage Solutions is both a licensed mortgage lender and broker in several states. We specialize in originating first and second conforming and non-conforming mortgage loans. Some companies can talk about customer service but here at Residential Mortgage we deliver it, loan after loan!
  • Blevins Home Mortgage
  • 2114 Swartz Rd, Darlington, MD, 21034
  • Blevins Home Mortgage. We are a full service mortgage company based in Darlington, Maryland. We service all of Maryland and specialize in FHA Loans, VA Loans, USDA Loans, Conventional Loans and Renovations Loans. Whether you are buying a home or refinancing, Blevins Home Mortgage has got you covered.
  • The Luzerne Bank
  • 118 Main Street, Luzerne, PA, 18709
  • 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.
  • Members 1st Federal Credit Union
  • 516 East Lancaster Avenue, Reading, PA, 19607
  • Since 1950, we’ve been in the business of helping our members plan for the future, cultivate smarter habits, and afford more of the things they love. Starting with a small desk and small counter outside the personnel office at the Naval Supply Depot in Mechanicsburg, PA, we’ve now grown to over 50 branches across 7 counties.
  • Navient Corporation
  • PO Box 9000, Wilkes Barre, PA, 18773
  • 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.
  • Reliant Community Federal Credit Union
  • 10 Benton Pl., Sodus, NY, 14551
  • Reliant Credit Union is a member-owned and member-driven full-service financial institution with nine branches across Monroe, Ontario, & Wayne Counties in New York. We're committed to making a difference in the communities we serve by improving our members'​ financial lives and exemplifying the credit union philosophy of "people helping people
  • SNFCU
  • 254 South Washington Street, Wilkes Barre, PA, 18701
  • 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.
  • Luzerne County Federal Credit Union
  • 20 N Pennsylvania Boulevard, Wilkes Barre, PA, 18701
  • 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.
  • Corner Post Federal Credit Union
  • 566 South Main Street, Wilkes Barre, PA, 18701
  • 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.
  • Union Savings Bank
  • 8534 E. Kemper Rd., Cincinnati, OH, 45249
  • At Union Savings Bank, we believe that buying a home should be affordable for all of our neighbors. Providing a high-quality home mortgage lending and servicing experience is at the root of everything we do. It’s the reason we are the #1 mortgage lender in the communities we serve. We funded more than $6.2 billion
  • Emery Federal Credit Union
  • 7890 E. Kemper Rd., Cincinnati, OH, 45249
  • Emery Federal Credit Union is a full service financial cooperative, dedicated to serving its Members. We’re a fast growing, progressive Credit Union that offers Members a full range of banking products and services, including deposit accounts, loan products/services, and commercial services.