USDA Vs. FHA Pro and Con comparison in Towamensing, Carbon County, PA

As of 2025, in Towamensing, county of Carbon, PA, the USDA loan limit is set at $336,500, whereas the FHA loan limit for a single-family home is $472,030. Being informed about these limits is essential for prospective homebuyers in terms of financial planning and home purchasing strategies.

Utilize the Lendersa® USDA loan calculator to efficiently compare the latest USDA and FHA rates, and determine the income, credit score, reserves, and documents necessary to qualify. Our cutting-edge mortgage calculator provides a comparison among USDA, FHA, Conforming, and VA loans, helping you choose the best option for your financial situation in .

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2025 Loan Limits and Down Payment Compliance in Towamensing, Carbon County, 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 Options in Towamensing, PA

Lendersa® is dedicated to quickly securing the best USDA or FHA loans for you without hassle. Choose among three strategies to connect with appropriate lenders and USDA programs that fit your needs.

  1. Start a comprehensive request for USDA/FHA loan optimization to streamline the application.
  2. Access and compare USDA and FHA terms immediately for effective decision-making.
  3. Browse the extensive USDA loan lender directory for more opportunities.
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Understanding USDA Loans in PA

A USDA home loan, endorsed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is tailored specifically for rural areas. In contrast to FHA loans that mandate a 3.5% down payment, USDA loans do not require any down payment, offering a distinct financial advantage for eligible buyers looking to invest in rural properties.

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  • 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.

  • 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.

  • Lewis Commercial Services llc dba Michael Lewis Group
  • P.O. Box 1068, DINGMANS FERRY, PA, 18328
  • The Michael Lewis Group has long relationships with a great many life companies, CMBS platforms, hedge funds, pension funds, hard money lenders, private money lenders, equity investors, ultra-high-net-worth individuals, construction loan lenders including infrastructure financing, middle market advisory services via affiliated merchant banks and in

  • 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.

  • Fleetwood Bank
  • 2 W Main St, Fleetwood, PA, 19522
  • Fleetwood Bank is the only locally-owned, community bank in the Greater Reading and Berks County area, and has eight offices located in Blandon, Boyertown, Fleetwood, Kutztown, Lyons, Oley, Shoemakersville and Wyomissing. We’re committed to maintaining a hometown atmosphere in each of our offices and to being active in our communities.

  • 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.

  • Spojnia Credit Union
  • 1006 Pittston Avenue, Scranton, PA, 18505
  • Spojnia Credit Union is a state-chartered, not-for-profit, full-service financial institution that is member-owned & controlled through a board of directors. The voluntary board, elected by the membership, establishes and revises the credit union’s policies and sets dividend rates so that you can earn more when you save & pay less when you borrow.

  • Invicta Mortgage Group
  • 230 Prospect Ave, Scranton, PA, 18505
  • We are a local company servicing Pennsylvania and Florida with more ease and flexibility than out-of-the box solutions. Our expertise is at your disposal. We take pride in personally handling your specific needs and walking you through the entire process.vania and Florida with more ease and flexibility than out-of-the box solutions.

  • Invicta Mortgage Group, Inc
  • 230 Prospect Ave, Scranton, PA, 18505
  • We are a local company servicing Pennsylvania and Florida with more ease and flexibility than out-of-the box solutions. Our expertise is at your disposal. We take pride in personally handling your specific needs and walking you through the entire process.vania and Florida with more ease and flexibility than out-of-the box solutions.

  • Central Loan Company LLC
  • 2607 N. Main St., Annandale, NJ, 08801
  • Central Loan Company and its staff take pride in offering “old fashion service” to the residents of Dona Ana County and its surrounding areas. Founded in 1954 as one of a handful of independently owned finance companies in Las Cruces; the business was started with three pioneer families of Gutierrez, Chavarria and Smith

  • Whitehall Mortgage Financial
  • 306 S Keyser Ave, Old Forge, PA, 18518
  • Whitehall Mortgage has been providing Residential Home Mortgage Loans throughout the Commonwealth of Pennsylvania for over three decades. The father and son duo, Douglas and Dallas, use their Northeasten PA roots and knowledge to best serve this area with the best mortgage service.

  • Penn Community Bank
  • 1129 N. 5th St, Perkasie, PA, 18944
  • Penn Community Bank provides banking, lending, and investment solutions for customers throughout Southeastern Pennsylvania, pairing the data-driven technology that families and business owners need with the local decision-making authority and focus they want. When we work with our customers, we’re in it together. And our commitment to community doe
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