Bradford County Pennsylvania USDA Loan

What areas of Bradford County, Pennsylvania are eligible for the USDA Mortgage Program?

The USDA has zoned ALL of Bradford County as geographically eligible for their USDA Rural Development Loan, including the largest towns of Sayre, Athens, Canton, Troy and the county seat of Towanda. All of Bradford County is geographically eligible for the No Down Payment USDA Mortgage Program.

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

USDA Eligible Areas in Bradford County, Pennsylvania


Eligible Towns

  • Alba

  • Athens

  • Berrytown

  • Bigler

  • Browntown

  • Burlington

  • Canton

  • Greens Landing

  • Le Raysville

  • Milltown

  • Monroeton

  • Mosherville

  • New Albany

  • Rome

  • Sayre

  • South Waverly

  • Sylvania

  • Towanda

  • Troy

  • Wyalusing

  • all other areas are eligible

Eligible Townships

  • Albany Township

  • Armenia Township

  • Asylum Township

  • Athens Township

  • Burlington Township

  • Canton Township

  • Columbia Township

  • Franklin Township

  • Granville Township

  • Herrick Township

  • Leroy Township

  • Litchfield Township

  • Monroe Township

  • North Towanda Township

  • Orwell Township

  • Overton Township

  • Pike Township

  • Ridgebury Township

  • Rome Township

  • Sheshequin Township

  • Smithfield Township

  • South Creek Township

  • Springfield Township

  • Standing Stone Township

  • Stevens Township

  • Terry Township

  • Towanda Township

  • Troy Township

  • Tuscarora Township

  • Ulster Township

  • Warren Township

  • Wells Township

  • West Burlington Township

  • Wilmot Township

  • Windham Township

  • Wyalusing Township

  • Wysox Township


Note: This list is an indicator of USDA Eligible Areas for Bradford County but does not necessarily include every possible eligible area. All of Bradford County is geographically eligible for a USDA mortgage.

Bradford County USDA Household Income Limits 

appetizer (5).png

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)