Dauphin County USDA Loan

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

The big Harrisburg metro area is Not USDA Eligible. The area around Hershey is Not Eligible either. Outside of these two metro areas, the rest of Dauphin County is eligible for the USDA Mortgage Program.

The areas in Dauphin County that are restricted from this program include the Harrisburg metro area and Hershey. On the stretch of Route 422 between Harrisburg and Hershey there are a few towns that are geographically eligible for USDA Financing. These eligible towns include Hummelstown, Hannoverdale, Hoernerstown, Waltonville, and Clifton. Shortly outside of the Harrisburg metro area and Hershey, the county becomes USDA Eligible again. Many home buyers who work in the Harrisburg metro area will be able to use a USDA loan to buy in the suburbs.

The largest towns in Dauphin County that are Eligible for a USDA loan include Middletown, Hummelstown, Dauphin, Steelton, Rutherford, and Skyline View.

To check to see if a specific home in Dauphin County Pennsylvania is USDA Eligible call 717-745-8380 or email USDA@keystonehomefinance.com

USDA Eligible Areas in Dauphin County Pennsylvania

 

  • Bachmanville

  • Berrysburg

  • Carsonville

  • Clifton

  • Colonial Park

  • Dauphin

  • Dayton

  • Deodate

  • Elizabethville

  • Ellendale Forge

  • Enhaut

  • Erdman

  • Fisherville

  • Freys Grove

  • Gratz

  • Halifax

  • Hannoverdale

  • Highspire (parts)

  • Hoernerstown

  • Hummelstown

  • Inglenook

  • Killinger

  • Lawnton

  • Lenkerville

  • Loyalton

  • Lykens

  • Manada Gap

  • Matterstown

  • Middletown

  • Millersburg

  • Oberlin

  • Oberlin Gardens

  • Paxtang

  • Penbrook

  • Piketown

  • Pillow

  • Progress

  • Reservoir Heights

  • Ritzie Village

  • Rutherford

  • Sand Beach

  • Singersville

  • Skyline View

  • Speeceville

  • Steelton

  • Stone Glen

  • Union Deposit

  • Waltonville

  • Waynesville

  • Wiconisco

  • Williamstown

  • any obvious rural locations

 

If you do not see your town listed and you are outside of a metro area, then you are in a USDA Eligible Area.

Dauphin County USDA Household Income Limits 

Dauphin County USDA Household Income Limits

If your Income exceeds the listed numbers, 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)