FHA Vs. USDA loan program for Point, Northumberland County, Pennsylvania

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 .

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.

Lendersa USDA loan inquiry and matching results

Understanding USDA Loans in PA

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.

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(570) 825-1790 Lender's profile and map Reviews 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.
(570) 823-6151 Lender's profile and map Reviews 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.
(570) 446-9078 Lender's profile and map Reviews Getz Mortgage, Inc. 480 Pierce Street, Suite 306, Kingston, PA, 18704 Getz Mortgage, Inc., based in Kingston, is a Pennsylvania Licensed Mortgage Broker, owned and operated by Jesse Getz. The company focuses on purchase, refinance and new construction mortgages in Northeastern and Central Pennsylvania. With over 25 years of experience in the mortgage lending industry.
(570) 322-1111 Lender's profile and map Reviews 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.
(717) 789-3213 Lender's profile and map Reviews The Bank of Landisburg 100 North Carlisle Street, Landisburg, PA, 17040 The Bank of Landisburg had its beginning in 1903 when an organizational meeting was held on August 19th. $10,000.00 in capital had been raised by the selling of stock. Many familiar names were among the original stockholders: Sheibley, Jones, Wilson, Bower, Kennedy, Wertz, Dum, Kell, Loy, and Wagner.
(814) 865-7728 Lender's profile and map Reviews Penn State Federal Credit Union 123 Amberleigh Lane, Bellefonte, PA, 16823 Penn State Federal Credit Union has been open since 1959. The credit union has assets totaling $240.08 Million and provides banking services to more than 15, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups
(717) 697-3474 Lender's profile and map Reviews Americhoice Federal Credit Union 2175 Bumble Bee Hollow Rd, Mechanicsburg, PA, 17055 AmeriChoice Federal Credit Union was founded in 1970 by a small group of IBM Corporation employees. Through the years, we’ve grown by extending eligibility to the South Central PA Community including Adams, Cumberland, Dauphin, Lebanon, Perry or York Counties. Today, we are more than 15, 000 members strong with assets exceeding $180 million.
(717) 249-7500 Lender's profile and map Reviews FOOTE CAPITAL MORTGAGE COMPANY 17 East High Street, Suite 102, Carlisle, PA, 17013 Headquartered in historic downtown Carlisle, Pennsylvania, Foote Capital Mortgage Company is a residential mortgage lender founded in 2006 by veteran bankers Shaun R. Foote and Rebecca Howell Foote. As a direct lender, Foote Capital has the distinct advantage of handling loan processing, underwriting, closing and funding its clients
(570) 826-8244 Lender's profile and map Reviews CityMark FCU 225 S River Street, Plains, PA, 18705 CityMark FCU We were originally founded to serve the employees and family members of Wilkes-Barre City. Over the years, we have included Plains Township and Wilkes-Barre Township employees and their family members. In 2016, we were granted a community charter that allows us to serve anyone who lives, works, worships.
(570) 693-0500 Lender's profile and map Reviews UFCW Community Federal Credit Union 377 Wyoming Avenue, Wyoming, PA, 18644 UFCW Community Credit Union is a non-profit financial institution. Our financial services are offered with you as our first priority. As a member, you have access to a wide range of quality services and benefits. Our financial services are competitively priced and convenient. With all of your personal banking services all in one place.
(570) 819-3337 Lender's profile and map Reviews VAntage Trust Federal Credit Union 247 Wilkes Barre Township Boulevard, Wilkes Barre, PA, 18702 VAntage Trust Federal Credit Union has been serving its members since 1948 when it was founded by the employees of the VA Medical Center, Wilkes-Barre, Pennsylvania. We now serve over 8, 000 members. Our membership also includes members from 70 active Select Employee Groups (SEG). We are chartered by the federal government.
(570) 823-6836 Lender's profile and map Reviews Cross Valley Federal Credit Union 640 Baltimore Drive, Wilkes Barre, PA, 18702 Cross Valley FCU was chartered by the National Credit Union Association in February 1969.Originally chartered as the Wilkes-Barre Federal Employees Federal Credit Union, its sponsor was the Data Operations Center of Social Security in Wilkes-Barre. Subsequent expansion of the Federal Charter was approved by NCUA to include Select Employee Groups.