Fulton County Pennsylvania USDA Loan

What areas of Fulton County are eligible for USDA Mortgage Program?

The USDA has zoned ALL of Fulton County as geographically eligible for their USDA Rural Development Loan, including the largest town and county seat of McConnellsburg. All areas of Fulton County are geographically eligible for the No Down Payment USDA Mortgage Program.

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

USDA Eligible Areas in Fulton County, Pennsylvania


Eligible Towns

  • McConnellsburg

  • Needmore

  • Valley-Hi

  • all other areas

Eligible Townships

  • Ayr Township

  • Belfast Township

  • Bethel Township

  • Brush Creek Township

  • Dublin Township

  • Licking Creek Township

  • Taylor Township

  • Thompson Township

  • Todd Township

  • Union Township

  • Wells 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. All of Fulton County, Pennsylvania is in a USDA Eligible Area.

Fulton County USDA Household Income Limits 

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If your Income exceeds the listed figures, 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)