USDA Vs. FHA Pro and Con comparison 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%.
At Credit Union of Georgia, we are all about one thing: YOU. We know life is busy. We know handling your finances means about one million things to think about. That’s why we’re so focused on offering the best service imaginable.
We keep ourselves educated: we know everything from how to make a basic budget plan to the local layout
Valor Home Mortgage is a Military Veteran owned and operated mortgage company. Our mission is to exceed our clients’ expectations and help them accomplish their mortgage financing goals. We offer clients fast customized quotes, low rates, superior service, and on-time closings. It is our great honor to serve you and your family in helping you.
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Mortgage Solutions of Georgia is a comprehensive mortgage brokerage licensed in the state of Georgia. Our team has been designed to offer you the best financing terms and options available and to guide you through this complex mortgage market.That is why we will rely heavily on you to refer your friends, family.
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CORE Credit Union was founded, in 1974, as Bulloch County School Employees Credit Union by eight residents of Bulloch County. The charter members originally founded the Credit Union to serve educators in Bulloch County. In 1980, the Credit Union expanded its field of membership to include the employees of Georgia Southern College.
Financing for all agricultural interests, farms, rural recreational tracts, timber tracts, home lots, conventional home mortgages, home lots, home construction and rural land not intended for non-agricultural commercial use or immediate resale. Loans for Land, Farms and Homes throughout South Carolina and Georgia.
1600 Kennesaw Due West Rd NW, Suite 610, Kennesaw, GA, 30152
Direct Lenders, LLC is a locally owned, but nationally known mortgage lending company located in Kennesaw, Georgia. The company was started in 2011 when CEO, Randy Bristol and President, Kevin Bonds turned their lives work into their dream of owning a successful and honest company.
