USDA Vs. FHA your options comparison in Scranton, Lackawanna County, PA
In the year 2026, the loan limit for USDA in Scranton, located within Lackawanna county of PA, is defined at $336,500. In contrast, the FHA loan ceiling amounts to $472,030 for single-family homes in the same location.
Employ the Lendersa® USDA loan calculator to evaluate and differentiate today's optimal USDA versus FHA rates. Here, you can ascertain income, credit, reserves, and document prerequisites needed to qualify. Our state-of-the-art mortgage calculator features comparisons among USDA, FHA, Conforming, and VA options, providing a side-by-side view to help determine which program is most suitable for your financial situation in . Make the right choice with our detailed insights.
Current 2026 Loan and Downpayment Requirements in Scranton, Lackawanna, PA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Selections in Scranton, PA
The mission of Lendersa® is to swiftly connect you with the most favorable USDA or FHA loan options, offering speed and convenience. Start with one of three paths that link you to matching lenders and USDA programs tailored to your needs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is backed by the U.S. Department of Agriculture. This type of loan is exclusively accessible in rural locales. Unlike FHA loans, which necessitate a down payment of at least 3.5%, USDA mortgage loans require no down payment whatsoever, offering a significant financial advantage.
The CMC Employees FCU was established in 1975. On January 1, 1991 FCPI FCU merged with CMC Employees FCU creating CMC-FCPI Employees FCU. Our field of membership includes: employees, doctors, medical staff, and technicians of the Geisinger Community Medical Center who work in Scranton.
Peoples Security Bank & Trust Company is headquartered in Scranton, Pennsylvania, and is one of the largest community banks in Eastern Pennsylvania, with a footprint stretching from Binghamton, New York down through the Endless Mountains into the Greater Scranton Area, the Poconos, Lehigh Valley, Greater Delaware Valley, Greater Pittsburgh Region i
Scranton Times Downtown Federal Credit Union traces its roots back to 1963 when our country was experiencing economic and social uncertainty. Our original field of membership began with the Scranton Times employees, as well as the employees of WEJL radio station and the Scranton Engraving Company.
Penn East was chartered on May 3, 1938 as “Scranton, Pennsylvania Teachers FCU” and was awarded charter number 2742. On June 28, 1974 the name was changed to “Scranton and NE Educational Federal Credit Union”. The final name change occurred on December 21, 1994 when the credit union changed its name to “Penn East Federal Credit Union”.
NET Credit Union We can service all of your personal finance needs - from everyday checking (with no fees) to saving for long-term. Check out our low-interest rates on all types of loans.and also NET Credit Union is non-profit bank located in Northeastern, Pennsylvania. All employees are trained credit score specialist.
We are an Independent Mortgage Broker Where We Work For You! Our goal is to find the best mortgage for your lifestyle. Unlike the big banks we specialize in just Mortgages. We partner with several lenders & have access to lower wholesale rates.We act as your personal loan shopper & can get you to the closing table in as little as 21 days or less.
FNCB Bank was established as a National Banking Association in 1910 as The First National Bank of Dunmore. After 70 years of operating in one location at Dunmore Corners, the Bank expanded to Scranton (1980) and Dickson City (1984).
On October 27, 1987, upon approval at a special shareholder's meeting
Fidelity Bank has over 118 year history of exceeding its clients' expectations with engaging and client-focused employees who listen, understand, and recommend the products and services that best suit YOU. The team of Fidelity Bankers focuses on serving as trusted financial advisors to its clients
My City Mortgage strives to provide applicants with a smooth, transparent loan process. Learn how we combine technology with unsurpassed customer service in order to provide customers with the most efficient mortgage process possible. My City Mortgage strives to provide applicants with a smooth, transparent loan process.
