USDA and FHA Pro and Con in Wilkes-Barre, Luzerne County, PA
In 2025, the USDA loan limit in Wilkes-Barre, falling under Luzerne county, PA, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s optimal USDA versus FHA rates. Determine the income, credit, reserves, and documentation required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA side by side, helping you choose the best program for your financial needs in .
Loan Limits and Down Payment Specifications for 2025 in Wilkes-Barre, Luzerne, 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 Wilkes-Barre, PA
Lendersa® aims to provide you the best USDA or FHA loan quickly and without complications. Choose from one of three starting points that will pair you with matching lenders and the USDA loan programs.
USDA home loans, also known as USDA mortgages or rural development loans, are backed by the U.S. Department of Agriculture. Available only in rural areas, they differ from FHA loans by not requiring any down payment, compared to the FHA's minimum of 3.5%.
East Cambridge Savings Bank is a full-service mutually-held savings bank that believes in connecting with customers. The Bank was established in 1854 and is dedicated to providing businesses and individuals with a full line of banking services in the communities it serves. Headquartered in Cambridge, the Bank has locations in Arlington.
Acushnet 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 AFCU will continue a sound yet progressive asset management strategy and provide new and improved financial services.
MassHome Mortgage LLC is a mortgage broker who has been helping customers in Massachusetts since 1999 to obtain residential
and commercial loans with variety of programs from different mortgage lenders. Our main goal is to provide the best service to our
customers and help them to find the right loan with the best rates, terms and costs to
Wallace Capital is a private real estate finance company that provides immediate short-term bridge loans and joint venture equity to real estate investors, developers and builders. A private finance company, Wallace Capital has invested approximately $500 million in about 500 transactions since 2000.
Liberty Bay Credit Union is a cooperative, non-profit financial institution that offers a full range of financial services to our individuals and business members. And because we are member-owned, instead of paying dividends to outside stockholders, we return our profits to our members in the form of higher rates on deposits and lower rates on loan
100 Grandview Road, Suite 105, Braintree, MA, 02184
Harbor Mortgage Solutions was founded on a few core values: integrity, expertise, and outstanding service. We believe that homeowners—especially seniors and their families—should feel comfortable and confident about their home financing/equity decisions, including the partners they choose.
We started Dovetail Mortgage™ to tackle the elephant in the mortgage process room. Applying for a loan all the way through the closing table should not be daunting. It should be seamless, and simple. In short, it should be harmonious. We have a combined 50-year experience as brokers and lenders.
First Priority Credit Union is a Massachusetts state-chartered credit union that began providing banking products and services to members in 1924. FPCU membership originally included United States Postal Employees, retirees and their family, but over the years has grown to include those that live or work in Suffolk and Essex Counties
