USDA Vs. FHA your options comparison in Wyoming, Luzerne County, PA

In 2025, the USDA loan limit in Wyoming, which is part of Luzerne county, PA, is set at $336,500. On the other hand, the FHA limit for a single-family home is $472,030.

With Lendersa® USDA loan calculator, you can compare the most favorable USDA and FHA rates today, identifying the necessary income, credit score, reserves, and documents required for eligibility. Our advanced mortgage calculator enables you to review USDA, FHA, Conforming, and VA programs side by side, helping you determine which option in is most suitable for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Wyoming, Luzerne, PA

Type of Loan Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loans in Wyoming, PA

The objective of Lendersa® is to efficiently secure the best USDA or FHA loan for you, easily and swiftly. Select from one of three starting points that lead to matching with lenders and discovering USDA loan programs.

Outcomes from Lendersa USDA loan requests

Understanding a USDA Loan in PA

A USDA home loan, guaranteed by the government Department of Agriculture and also referred to as a USDA rural development loan, is available only in rural areas. Unlike FHA loans that demand a minimum 3.5% down payment, the USDA mortgage requires no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • Fresh Home Loan, Inc., “Independent Mortgage Brokers That Work for the People! ™ with Garrick Werdmuller at the forefront, is a team of expert mortgage brokers helping people finance their dream homes and secure their future. We carry out our work with great care for our clients and follow the philosophy.
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