USDA and FHA Pro and Con in West-Hazleton, Luzerne County, PA
In the year 2026, the USDA loan limit for properties in West-Hazleton, situated in Luzerne County, PA, is $285,000. Conversely, the FHA loan limit for a single-family home in the same region is $356,362. Knowing these limits is vital for homebuyers crafting financial strategies for securing their desired properties.
Leverage the Lendersa® USDA loan calculator to compare the most competitive rates between today's USDA and FHA options. It assesses the necessary income, credit standards, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loan programs side by side, assisting you in choosing the most suitable financial solution for your situation in . This tool anchors informed decision-making by providing a clear, comprehensive view of your lending options.
2026 Loan Limits and Down Payment Requirements in West-Hazleton, Luzerne County, PA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in West-Hazleton, PA
At Lendersa®, our mission is to streamline the acquisition of the best USDA or FHA loans with minimal hassle. Start through one of three pathways that lead to matched lenders and USDA loan programs that are customized to your needs. This tailor-made approach is designed to maximize your financial planning efficiency.
A USDA home loan, backed by the Department of Agriculture and commonly known as a USDA rural development loan or USDA mortgage, is intended specifically for rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans eliminate this requirement entirely, making them highly appealing for eligible rural homebuyers seeking to minimize upfront costs in purchasing homes.
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.
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.
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.
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.
Cross Valley FCU was chartered by the National Credit Union Association in February 1969.Originally chartered as the Wilkes-Barre Federal Employees Federal Credit Union, its sponsor was the Data Operations Center of Social Security in Wilkes-Barre. Subsequent expansion of the Federal Charter was approved by NCUA to include Select Employee Groups.
Choice One Community Credit Union is a member-owned and operated, not-for-profit financial cooperative, chartered under federal law. We strive to provide outstanding financial products, exceptional personal service and to always maintain the safety and soundness of members’ funds.
John E Young has been in the Mortgage Industry for 18 years and Licensed by PA Department of Banking for the past 15 years. In less than 3 years as a Mortgage Originator, he was able to open his own Mortgage Company, and over 85% of his company’s business comes from referrals.John has helped many clients fix and analyze their credit reports.
