USDA Loan Vs. FHA loan for Shamokin, PA 2025

In 2025, the USDA loan cap for Shamokin, located in Northumberland county, PA, is $336,500. In comparison, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to assess the best available rates, comparing USDA with FHA. Determine the income, creditworthiness, reserves, and necessary documents for qualifying. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA options side by side, helping you choose the ideal program for your financial needs in .

Options for USDA and FHA Loans in Shamokin, PA

The primary aim of Lendersa® is to secure the best USDA or FHA loans for you promptly and with ease. Start by choosing one of three routes that will match you with lenders and explore USDA loan offerings.

Lendersa USDA loan request and matching outcomes

Understanding the USDA Loan in PA

A USDA home loan, guaranteed by the government's Department of Agriculture, is also known as a USDA rural development loan or mortgage, tailored exclusively for rural areas. Unlike FHA loans that necessitate a 3.5% down payment, USDA loans require no down payment.

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(570) 323-9407 Lender's profile and map Reviews West Branch Valley Federal Credit Union 1640 High Street, Williamsport, PA, 17701 AVCO was the first Select Employer Group to belong to the credit union. As the credit union allowed more Select Employer Groups to join, the membership became more diverse and geographically disbursed. In 1995 the credit union changed its name to West Branch Valley Federal Credit Union to be more representative of its membership area.
(570) 327-5263 Lender's profile and map Reviews Woodlands Bank 2450 East Third Street, Williamsport, PA, 17701 In 1989, a small group of entrepreneurs decided to establish a new community bank in Lycoming County. Many of the existing banks had merged and had grown to a size where personalized service had become only a slogan. These entrepreneurs saw, firsthand, the deteriorating service level of many of the banks in the area.
(570) 326-3636 Lender's profile and map Reviews Horizon Federal Credit Union 2849 Reach Road, Williamsport, PA, 17701 Horizon Federal Credit Union was founded in 1955 as a credit union for health care professions in the Williamsport area. Horizon’s objective is to be the most trusted financial institution in our community. Our staff will provide exceptional services, products and experiences for our members.
(570) 696-1633 Lender's profile and map Reviews Back Mountain FCU 1501 South Memorial Highway, Suite 102, Shavertown, PA, 18708 Back Mountain Federal Credit Union of Shavertown, Pennsylvania has been in service since 1974. We offer prompt, friendly, and courteous service to its members. We have a history of offering very attractive rates due to low overhead and strong expense controls. Our Board of Directors and all committee members are unpaid (volunteer).
(888) 272-5543 Lender's profile and map Reviews 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.
(570) 825-2640 Lender's profile and map Reviews 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.
(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.
(610) 767-3875 Lender's profile and map Reviews The Neffs National Bank 5629 PA Route 873, Neffs, PA, 18065 The Neffs National Bank is an independent community bank that takes pride in being community-oriented and providing quality customer service From its modest beginning, the growth of the bank has been influenced by the prosperity of the local communities. Individuals and businesses continue to contribute to promoting community-oriented.
(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.
(610) 826-2239 Lender's profile and map Reviews First Northern Bank & Trust PO Box 217, Palmerton, PA, 18071 First Northern Bank & Trust Co, originally founded in 1907 as First National Bank of Palmerton, is the sole-subsidiary of Palm Bancorp, ( a unitary bank holding company). We are now a Fed-Member, State chartered bank with11 branches in four counties across Northeast Pennsylvania, including Monroe, Carbon, Lehigh and Northampton.
(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.