USDA and FHA Pro and Con in Sugarloaf, Luzerne County, PA
In 2026, for Sugarloaf in Luzerne county, PA, the USDA loan limit is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates, and identify the necessary income, credit, reserves, and required documents for eligibility. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in best suits your financial goals.
Loan Limits and Down Payment Information for 2026 in Sugarloaf, 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 Choices in Sugarloaf, PA
The goal at Lendersa® is to efficiently provide you with the best USDA or FHA loan option without hassle. Select any start point from the three choices that connect you with matched lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture and called a USDA rural development loan, is only available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.
First Keystone Community Bank, a subsidiary of First Keystone Corporation (Stock Symbol: FKYS.ob), has been owned and operated by local men and women since 1864. First Keystone Community Bank has grown from one 18'x 25' building in Berwick to eighteen full-service offices throughout Columbia, Luzerne, Monroe and Montour Counties.
First Columbia Bank & Trust Co. has been Columbia County’s community bank for nearly 120 years. With more than $709.5 million in assets as of December 31, 2017, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia and Montour Counties and the surrounding area.
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.
254 South Washington Street, Wilkes Barre, PA, 18701
Lends in Pennsylvania
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.
20 N Pennsylvania Boulevard, Wilkes Barre, PA, 18701
Lends in Pennsylvania
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.
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.
1501 South Memorial Highway, Suite 102, Shavertown, PA, 18708
Lends in Pennsylvania
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).
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.
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.
