No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
Pennsylvania USDA Loans
My state-specific information
Eligibility Requirements – Pennsylvania
The average household income limits for a USDA home loan in the keystone state are around $119,850 for a 1-4 person household and can be as high as can be as high as $181,250 for the Philadelphia area and 5 or more people in the household. Although finding a USDA eligible property near Philly is unlikely. There is a link below to search the USDA home loan income limits per counties for the state of Pennsylvania.
On all PA USDA Loans they will now allow you to purchase a home through the USDA program that is located in a flood zone.
The map below shows the USDA loan eligible areas for the entire state of Pennsylvania. As you can see the majority of the state qualifies for USDA financing. Go to the USDA property eligibility screen for more specific information.
Pennsylvania USDA Income Limits (Moderate Income – Guaranteed Loan)
Most Pennsylvania counties follow the standard USDA income limit, with select metro areas offering higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Limit (Most PA Counties) | $119,850 | $158,250 |
| Harrisburg-Carlisle, PA MSA | $121,200 | $160,000 |
| Lancaster, PA MSA | $120,750 | $159,400 |
| York-Hanover, PA MSA | $121,700 | $160,650 |
| State College, PA MSA | $124,400 | $164,250 |
| Pittsburgh, PA HUD Metro FMR Area | $123,400 | $162,900 |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA | $137,300 | $181,250 |
| Monroe County, PA | $120,050 | $158,500 |
Important: USDA income limits are based on total household income — including income from all adult household members — not just the borrower(s).
If your total household income is within your area’s limit and the home is located in a USDA-eligible area, you may qualify for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your Pennsylvania USDA Eligibility
USDA loans are available throughout eligible rural and suburban areas across Pennsylvania. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-approved location
- Provide a fast payment estimate
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, property location, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Pennsylvania.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Pennsylvania USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Pennsylvania
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
