Delaware County Pennsylvnia USDA Loan

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

As expected, most of Delaware County is geographically restricted from the No Down Payment USDA Mortgage Program. The county’s population density precludes the majority of the county from being included in the USDA’s Rural Development Eligibility Map. Moving away from Philadelphia and eastern Delaware County, we finally reach USDA Eligible territory again when we reach Chadds Ford Township west of Route 202. This township borders Chester County and includes the Brandywine Battlefield Historic Site.

Chadds Ford is the only USDA Eligible area in Delaware County.

Just the very western area of Delaware County is Eligible for the USDA Mortgage Program.

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

USDA Eligible Areas in Delaware County, Pennsylvania

  • Chadds Ford

  • Chadds Ford Township

  • Brandywine Summit


Delaware County USDA Household Income Limits 

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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)