Franklin County Pennsylvania USDA Loan
What areas of Franklin County are eligible for the USDA Mortgage Program?
The USDA has zoned ALL of Franklin County as geographically eligible for their USDA Rural Development Loan.
The largest towns Franklin County, Pennsylvania that eligible for a USDA loan include Chambersburg, Waynesboro, Greencastle, Mercersburg, and Mont Alto.
All areas of Franklin County are geographically eligible for the No Down Payment USDA Mortgage Program.
USDA Eligible Areas in Franklin County, Pennsylvania
USDA Eligible Towns
Blue Ridge Summit
Shippensburg (mostly in Cumberland County)
all other areas
all other areas are eligible
USDA Eligible Townships
St. Thomas Township
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. If you are in a rural area and do not see your town listed above, you are in a USDA Eligible Area.
Franklin County Pennsylvania USDA Household Income Limits
If your Income figures exceed those 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)