Berks County USDA Loan
What areas of Berks County are eligible for the No Down Payment USDA Mortgage Program?
The majority of Berks County, Pennsylvania is eligible for the USDA Mortgage Program.
Some of the largest towns in Berks County that are eligible for a USDA loan include Birdsboro, Blandon, Boyertown, Fleetwood, Hamburg, Kutztown, Mohnton, Wernersville, and Womelsdorf.
The one area of Berks County that is not eligible for the USDA loan program is the Reading metro area. The city limits of Reading and the immediate surrounding suburbs of Reading are considered too densely populated to meet the rural definition of the USDA Mortgage program. Ineligible areas include the towns of Wyomissing, Wyomissing Hills, Shillington, Mt Penn, Reiffton, Spring Ridge, Springmont, and Laureldale. Once we leave the immediate Reading area, the rest of Berks County is eligible area for the USDA Mortgage Program.
USDA Eligible Areas in Berks County, Pennsylvania
Country Ridge Estates
Mill Creek Corner
any obvious rural locations
Note: This list is an indicator of USDA Eligible Areas for Berks 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.
Berks County USDA Household Income Limits
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)