Adams County USDA Loan

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

Almost all of Adams County Pennsylvania is geographically eligible for a No Down Payment USDA Mortgage.

The largest towns in Adams County, Pennsylvania that are eligible for the USDA Loan Program include Gettysburg, New Oxford, Littlestown, East Berlin, Fairfield, York Springs, and Abbottstown.

The only small area of Adams County that is not eligible for USDA financing are the towns of Midway and McSherrystown that the USDA has included in the Hanover metro area in York County.  Just outside of Midway and McSherrystown, the rest of Adams County is eligible for the USDA Loan program.


Midway and McSherrystown are the only areas of Adams County that are not Eligible for the Pennsylvania USDA Mortgage Program.


To check to see if a specific home in Adams County, Pennsylvania is USDA Eligible call 717-745-8380 or email

USDA Eligible Areas in Adams County, Pennsylvania


Eligible Towns

  • Gettysburg

  • Abbottstown

  • Arendtsville

  • Aspers

  • Bendersville

  • Biglerville

  • Bonneauville

  • Carroll Valley

  • Cashtown

  • East Berlin

  • Fairfield

  • Floradale

  • Gardners

  • Hampton

  • Heidlersburg

  • Hunterstown

  • Idaville

  • Lake Heritage

  • Lake Meade

  • Littlestown

  • McKnightstown

  • McSherrystown

  • New Oxford

  • Orrtanna

  • Table Rock

  • York Springs

  • any obvious rural locations

Eligible Townships

  • Berwick Township

  • Butler Township

  • Conewago Township

  • Cumberland Township

  • Franklin Township

  • Freedom Township

  • Germany Township

  • Hamilton Township

  • Hamiltonban Township

  • Highland Township

  • Huntington Township

  • Latimore Township

  • Liberty Township

  • Menallen Township

  • Mount Joy Township

  • Mount Pleasant Township

  • Oxford Township

  • Reading Township

  • Straban Township

  • Tyrone Township

  • Union Township


Note: This list is an indicator of USDA Eligible Areas for Adams County but does not necessarily include every possible eligible area. If you do not see your town listed, 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.

Adams County USDA Household Income Limits 

Household Income Table - county.png

If your Income exceeds the figures 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)