Columbia County USDA Loan

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

The USDA has zoned ALL of Columbia County as geographically eligible for their USDA Rural Development Loan. The largest towns in Columbia County, Pennsylvania that are eligible for a USDA loan are Bloomsburg and Berwick. All of Columbia County is geographically eligible for the No Down Payment USDA Mortgage Program.

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

USDA Eligible Areas in Columbia County, Pennsylvania

  • Almedia

  • Aristes

  • Ashbury

  • Bendertown

  • Benton

  • Berwick

  • Bloomsburg

  • Buckhorn

  • Catawissa

  • Central

  • Cleveland

  • Coles Creek

  • Derrs

  • Elk Grove

  • Espy

  • Eyers Grove

  • Fairmount Springs

  • Fernville

  • Iola

  • Jamison City

  • Jerseytown

  • Kulp

  • Laubachs

  • Light Street

  • Lime Ridge

  • Locustdale

  • Mainville

  • Mayberry

  • Midvalley

  • Mifflinville

  • Mill Grove

  • Millville

  • Mordansville

  • Newlin

  • Numidia

  • Orange

  • Orangeville

  • Parrs Mill

  • Pealertown

  • Pine Summit

  • Queen City

  • Raven Creek

  • Red Rock

  • Roaring Creek

  • Rohrsburg

  • Rupert

  • Sereno

  • Shumans

  • Stillwater

  • Talmar

  • Waller

  • Wilburton

  • Eligible Townships

  • Beaver Township

  • Benton Township

  • Briar Creek Township

  • Catawissa Township

  • Cleveland Township

  • Conyngham Township

  • Fishing Creek Township

  • Franklin Township

  • Greenwood Township

  • Hemlock Township

  • Jackson Township

  • Locust Township

  • Madison Township

  • Main Township

  • Mifflin Township

  • Montour Township

  • Mount Pleasant Township

  • North Centre Township

  • Orange Township

  • Pine Township

  • Roaring Creek Township

  • Scott Township

  • South Centre Township

  • Sugarloaf Township

  • all other areas are eligible


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. All areas of Columbia County, Pennsylvania are eligible for the the USDA Mortgage Program.

Columbia County USDA Household Income Limits 

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If your Income appears to exceed these totals, 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)