USDA and FHA Pro and Con in Wilkes-Barre, Luzerne County, PA
In 2026, 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 2026 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%.
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.
CityMark FCU We were originally founded to serve the employees and family members of Wilkes-Barre City. Over the years, we have included Plains Township and Wilkes-Barre Township employees and their family members. In 2016, we were granted a community charter that allows us to serve anyone who lives, works, worships.
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.
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