USDA Vs. FHA Pro and Con comparison in South-Williamsport, Lycoming County, PA
In 2026, the USDA loan ceiling in South-Williamsport, county of Lycoming, PA, is established at $285,000, whereas the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today's prime USDA versus FHA rates, allowing you to assess the necessary income, credit scores, reserves, and documents required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding in selecting the most appropriate program for your financial situation in .
Loan Limits and Downpayment Guidelines for 2026 in South-Williamsport, County of Lycoming, PA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Opportunities in South-Williamsport, PA
Lendersa® aims to quickly provide access to the best possible USDA or FHA loans without hassle. Choose one of three starting points to be matched with lenders offering suitable USDA loan programs.
A USDA home loan is a mortgage guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, specifically for rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment, offering significant financial flexibility to eligible borrowers.
Wyrope Williamsport Federal Credit Union is a not-for-profit financial cooperative that is fully owned and operated by its members. Because of the cooperative, non-profit nature, loan rates are lower, savings rates are higher, and members benefit from the low-cost, convenient services offered.
Williamsport Teachers Credit Union has been open since 1934. The credit union has assets totaling $13.94 Million and provides banking services to more than 1, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans.
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.
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.
999 North Loyalsock Avenue, Suite A, Montoursville, PA, 17754
Lends in Pennsylvania
The Montoursville Area FCU is a member owned & operated, not for profit financial cooperative striving to meet the financial needs of its members. The mission of our credit union is to serve our members needs by providing competitive rates for savings and loans. We will seek to maintain the financial stability and steady growth of our organization.
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.
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 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 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.
