Franklin County Pennsylvania USDA Loan

What areas of Franklin County are eligible for the USDA Mortgage Program?

The USDA has zoned ALL of Franklin County as geographically eligible for their USDA Rural Development Loan.

The largest towns Franklin County, Pennsylvania that eligible for a USDA loan include Chambersburg,  Waynesboro, Greencastle,  Mercersburg, and Mont Alto.

All areas of Franklin County are geographically eligible for the No Down Payment USDA Mortgage Program.

To check to see if a specific home in Franklin County, Pennsylvania is USDA Eligible call 717-745-8380 or email USDA@keystonehomefinance.com

USDA Eligible Areas in Franklin County, Pennsylvania

 

USDA Eligible Towns

  • Altenwald

  • Amberson

  • Aqua

  • Beautiful

  • Biesecker Gap

  • Bino

  • Blue Ridge Summit

  • Boggstown

  • Chambersburg

  • Charlestown

  • Charmian

  • Cheesetown

  • Clay Hill

  • Claylick

  • Concord

  • Cosytown

  • Cove Gap

  • Cowans Gap

  • Cowans Village

  • Cress

  • Dickey

  • Doylesburg

  • Dry Run

  • Duffield

  • Eastland Hill

  • Fannett

  • Fannettsburg

  • Fayetteville

  • Fiveforks

  • Fort Loudon

  • Fox Hill

  • Franklin Furnace

  • Glen Forney

  • Good

  • Greencastle

  • Greenvillage

  • Guilford

  • Guilford Springs

  • Housum

  • Jackson Hall

  • Kasiesville

  • Kauffman

  • Kerrstown

  • Keystone

  • Lemasters

  • Letterke

  • Lurgan

  • Marion

  • Markes

  • Mercersburg

  • Metal

  • Milnor

  • Mont Alto

  • New Franklin

  • Nyesville

  • Orrstown

  • Pen Mar

  • Pennersville

  • Peters Township

  • Pleasant Hall

  • Polktown

  • Pond Bank

  • Quincy

  • Red Bridge

  • Richmond Furnace

  • Roadside

  • Rouzerville

  • Roxbury

  • Saint Thomas

  • Scotland

  • Shady Grove

  • Shimpstown

  • Shippensburg (mostly in Cumberland County)

  • South Mountain

  • Spring Run

  • State Line

  • Stoufferstown

  • Sunbeam

  • Sylvan

  • Tomstown

  • Turkeyfoot

  • Tuscarora Heights

  • Upper Strasburg

  • Upton

  • Warren Township

  • Waynecastle

  • Wayne Heights

  • Waynesboro

  • Welsh Run

  • Weltys

  • Williamson

  • Willow Hill

  • Worleytown

  • Zullinger

  • all other areas

  • Cooksburg

  • East Hickory

  • Endeavor

  • Marienville

  • Porkey

  • Tionesta

  • West Hickory

  • all other areas are eligible

USDA Eligible Townships

  • Antrim Township

  • Fannett Township

  • Greene Township

  • Guilford Township

  • Hamilton Township

  • Letterkenny Township

  • Lurgan Township

  • Metal Township

  • Montgomery Township

  • Peters Township

  • Quincy Township

  • Southampton Township

  • St. Thomas Township

  • Warren Township

  • Washington Township

 

Note: This list is an indicator of USDA Eligible Areas for the County but does not necessarily include every possible eligible area. If you do not see your town listed, feel free to contact us to double check. If you are in a rural area and do not see your town listed above, you are in a USDA Eligible Area.

Franklin County Pennsylvania USDA Household Income Limits 

Franklin County USDA Household Income Limits

If your Income figures exceed those listed here, you may still qualify. The USDA allows for several deductions which may allow your Household Income to fit within their Maximum Adjusted Income Guidelines.   

Deductions to reduce your USDA Household Income Calculation

 

  • $480 for each minor child living in the household

  • $480 for any student living in the household who is not on the mortgage application

  • $400 for each disabled household member who is not on the mortgage application

  • Documented Child Care Expenses for household members under the age of 13

  • Documented Medical/Disability Expenses for household members age 62 or older (this deduction is allowable if the expense exceeds 3% of the household income)