USDA and FHA Pro and Con in Swoyersville, Luzerne County, PA

In the year 2025, the USDA loan cap for Swoyersville in Luzerne county, PA, stands at $336,500, while the FHA limit is noted as $472,030 for a single-family dwelling.

Employ the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates and ascertain the necessary income, credit score, reserves, and documentation for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most suitable program in based on your unique financial circumstances.

Explore loan offerings from 100 lenders

2025 Loan Limits & Down Payment Requirements in Swoyersville, Luzerne County, PA

Loan Category Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Opportunities in Swoyersville, PA

Lendersa® is dedicated to swiftly providing you with optimal USDA or FHA loans, free from complexities. Choose one of three starting options to connect with matching lenders and USDA loan offerings.

Lendersa USDA Loan Request and Results

Understanding USDA Loans in PA

The USDA home loan is a government-backed loan through the Department of Agriculture, also known as a USDA Rural Development Loan or USDA Mortgage, and is specifically available in rural areas. Unlike FHA loans that necessitate a down payment of at least 3.5%, USDA mortgages require no down payment at all.

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



  • Full Spectrum Capital Corporation
  • 7439 N Fiske Ave, Portland, OR, 97203
  • Full Spectrum Capital is a boutique mortgage brokerage dedicated to providing an array of loan options, competitive rates, a streamline process and truly understanding your overall situation. We have developed relationships with a large network of lenders which provides you with specially catered loan options to fit your specific situation.
  • Prowess Lending
  • 1671 W Katella Ave, Suite 130, Anaheim, CA, 92802
  • Prowess Lending was founded in 2019 and it’s being serving their clients with integrity and honesty. We know you may have many reasons to be skeptical to work with a new broker, but if you gives a chance we will work hard to earn your trust. Our job is to match you with the best option we have depending on your particular situation.
  • alternative capital lending
  • 6755 Bright Ave, Whittier, CA, 90601
  • Alternative Capital Lending (“ACL”) is a financial and professional firm specializing in commercial real estate lending services. With over 75 years of combined real estate experience, ACL is an expert when it comes to advising and structuring commercial real estate loans. We understand the changing market place
  • CBM Home Loans
  • 6737 Bright Avenue, Suite B2, Whittier, CA, 90601
  • CBM Real Estate & Home Loans is a company based on Old Fashioned Values and Principles. We are here to assist our Neighbors with Integrity, Honesty and Professionalism. We service all Homeowners and Buyers in Downey, Whittier or any of the surrounding cities such as Norwalk, Pico Rivera, Bellflower, South Gate, Santa Fe Springs.
  • Money Wise Investments, Inc.
  • 6528 Greenleaf Avenue, Suite 128, Whittier, CA, 90601
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending..from purchase to refinance to construction lending.We have access to a full range of mortgage sources & all our lending specialists are dedicated to finding the right loan-with the best rates, terms & costs-to meet your unique needs.
  • Paragon Realty Services
  • 5427 Norwalk Blvd, Suite B, Whittier, CA, 90601
  • We are a boutique Real Estate and Mortgage Loan Company. Our focus is providing fast, honest, and professional guidance to our clients. We are committed to top tier personalized service. Whether you are looking to sell your home, purchase, refinance or are looking to be pre-approved for a loan, we are here to help make it easy for you.
  • Friendly Hills Bank
  • 16011 E. Whittier Boulevard, Whittier, CA, 90603
  • Friendly Hills Bank is a financial services company focused on the enhancement of shareholder value through the delivery of high quality personalized service to businesses and professionals in our local communities. The key to providing these services is a personable and professional staff utilizing a consultative approach.
  • Bank of Whittier
  • 15141 East Whittier Boulevard, Whittier, CA, 90603
  • Bank of Whittier began Its operation at its present location in Whittier California on December 20, 1982. In July 2011 Bank of Whittier expanded its unique brand of RF (Riba-Free) services by opening a second branch in the city of Richardson, Texas to serve the Dallas Fort Worth area.
  • Encore Mortgage
  • 15111 Whittier Blvd, Suite 101-B, Whittier, CA, 90603
  • A full spectrum of loan products from which to choose. Sharing our expertise to personally assist hundreds of families with sustainable home finance Helping you Become a HOMEOWNER with the Best Personal Loan Rates and also When financing your home, you need an experienced, reputable company and an agent who gives you facts, not opinions.