USDA VS FHA in Rice, Luzerne County, PA

In 2026, the USDA loan limit for Rice, within Luzerne county, PA, is $336,500, while the FHA limit for a single-family home is set at $472,030.

Use the Lendersa® USDA loan calculator to effectively compare today's most competitive USDA and FHA rates, assessing the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in best suits your financial situation.

Explore loan offers from a selection of 100 lenders

2026 Loan Limits and Down Payment Requirements in Rice, Luzerne, PA

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 Rice, PA

The goal of Lendersa® is to quickly connect you with the best possible USDA or FHA loan without any hassle. Choose from three distinct starting points to match with suitable lenders and USDA programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in PA?

A USDA home loan, guaranteed by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment, offering a significant advantage.

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



  • Consumer Trust Mortgage
  • 2 Windsor Plaza, Allentown, PA, 18104
  • Consumer Trust Mortgage is approaching 30 years in business. We understand the challenges of today’s home financing market. Everyone at Consumer Trust Mortgage is part of a customer-centric culture that concentrates on you. We all work together to expand your lending options, close loans ahead of schedule, and create innovative new loan solutions.

  • Univest Home Loans
  • 4600 Broadway, Allentown, PA, 18104
  • Univest Home Loans is a division of Univest Bank and Trust Co. As a wholly-owned subsidiary of Univest Financial Corporation (UVSP) which was founded in 1876, the Corporation and its subsidiaries provide a full range of financial solutions for individuals, businesses, municipalities and nonprofit organizations throughout the Mid-Atlantic Region.

  • Allentown Mortgage Corporation
  • 2067 Walbert Ave, Allentown, PA, 18104
  • Allentown Mortgage Corp’s mission is to provide you with high quality mortgage and real estate programs that are tailored to fit your unique situation at some of the most competitive rates in the nation. After receiving your information, Allentown Mortgage Corp will be able to get a complete look at your financial situation

  • Conquest Funding, Inc.
  • 5000 W. Tilghman Street, Suite 249, Allentown, PA, 18104
  • Conquest Funding is the best in their industry. Their team is professional, friendly, and knowledgeable about all aspects of the real estate market, and they are passionate about giving everyday people a real chance at real estate investment. I had everything prepared to make my investment property project successful, but Conquest Funding was able

  • APCI Federal Credit Union
  • 6126 Hamilton Boulevard, Suite 102, Allentown, PA, 18106
  • APCI Federal Credit Union (APCI FCU) is a non-profit financial cooperative that has serviced our members since 1954. We have a staff of 50+, with over 500 years of combined credit union experience.

    As banks implement new fees or raise existing account charges, APCI FCU's value proposition continues to grow stronger

  • First Commonwealth Federal Credit Union
  • 6126 Hamilton Blvd, Suite 100, Allentown, PA, 18106
  • First Commonwealth is a consumer-friendly alternative to banking. We offer all the services you're accustomed to, but at better rates and lower fees. That's because we're structured differently than banks. Banks are in business to earn profits for their stockholder investors. Our credit union exists to improve your financial well being.

  • Traditional Mortgage LLC
  • 682 N. Brookside Road, Suite 101, Allentown, PA, 18106
  • Traditional Mortgage, LLC is a state licensed mortgage lending entity that originates mortgage loans directly to the consumer. Our mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • The Muncy Bank and Trust Company
  • 2 N Main Street, Muncy, PA, 17756
  • 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 Federal Credit Union
  • 191 Chad Road, Muncy, PA, 17756
  • 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.

  • QUAINT OAK MORTGAGE, LLC
  • 1710 Union Boulevard, Allentown, PA, 18109
  • Quaint Oak is comprised of people. We are a community of individuals – employees, customers, and stockholders – that work and reside in our marketplace. Through thoughtful communication, business expertise, and responsive customer care, we continually raise our own personal bar for serving our customers.

  • Pocono Medical Center Federal Credit Union
  • 206 East Brown Street, East Stroudsburg, PA, 18301
  • Pocono Medical Center Federal Credit Union Credit Unions began with a simple concept: Members pool their savings and lend to each other. Credit Union founders had a motto: "Not for profit, not for charity, but for service The Federal Credit Union was signed into law in 1934 and remains the guiding set of rules for federal credit unions today

  • Lehigh Financial Group LLC
  • 1244 W. Hamilton Street, Suite 200, Allentown, PA, 18102
  • Lehigh Financial Group, LLC is a leading source of innovative real estate capital solutions. Whether you are a business owner or a real estate investor, you have come to the right place for commercial financing. We at Lehigh Financial Group, LLC understand your commercial financing needs. Central to our approach is not just what we deliver,