USDA and FHA Pro and Con in Point, Northumberland County, PA
For the year 2026, the USDA loan limit in Point, located in the county of Northumberland, PA, stands at $336,500. Meanwhile, the FHA loan limit reaches $472,030 for those purchasing a single-family dwelling.
By utilizing the Lendersa® USDA loan calculator, you can make effective comparisons of today's USDA versus FHA top rates. Additionally, it aids in assessing the income, credit scores, reserve requirements, and necessary documentation to meet qualification criteria. Our comprehensive mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side-by-side, facilitating informed decisions about the most suitable option for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Point, Northumberland, PA
Loan Type
Loan Limit
Down Payment Required
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Point, PA
The primary objective of Lendersa® is to assist you in swiftly securing the best USDA or FHA loan without complications. You have three starting options at your disposal to connect with suitable lenders and USDA loan programs.
USDA home loans, which are government-backed by the Department of Agriculture, are also called USDA rural development loans or USDA mortgages. These loans are exclusively available in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA mortgages do not necessitate any upfront payment.
The Northumberland National Bank opened for business in 1903, in a storefront building on the corner of Queen and Water Streets. State senator and Witmer Steele Lumber Company owner Charles Steele saw the need for an independent, locally-owned community bank in his hometown, and his idea was immediately popular
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.
Central Keystone Federal Credit Union has been open since 1954. The credit union has assets totaling $53.45 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
1st Federal Credit Union is a full-service financial institution who puts the financial goals of our members at the heart of everything we do. Whether in one of our twelve branches located in Bloomsburg, Danville, Elysburg, Lewisburg, Loyalsock, Mifflinburg, Montandon, Shamokin Dam, Sunbury and Wilkes-Barre, or out-and-about in the community.
MC Federal Credit Union has remained committed to our members and the community. Unlike banks, MC Federal is owned by members and run by members. When we make money, it does not go to shareholders, it goes directly back to our members. As a result, MC Federal has industry leading dividends on deposit accounts. Our business plan is simple: Unbreakab
Central Susquehanna Community Federal Credit Union
530 E Market Street, Danville, PA, 17821
Lends in Pennsylvania
CSC FCU opened in the TRW building in Danville as the TRW Federal Credit Union. When TRW closed its manufacturing plant, we moved our office across the street and changed our membership charter from segment-based to community-based. Continuing to provide great service to our members has always been important to us.
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
The USNEP Employees FCU was chartered in 1935 and now has over $15 million in assets. Our philosophy has always been to keep overhead down, safe investments and offer our members services that yield maximum benefits on savings and borrowing. USNEP Employees Federal Credit Union serves employees and their family members of the United States.
