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.
USDA Eligible Areas in Columbia County, Pennsylvania
Briar Creek Township
Fishing Creek Township
Mount Pleasant Township
North Centre Township
Roaring Creek Township
South Centre 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
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)