Lawrence County Pennsylvania USDA Loan

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

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There is just one area of Lawrence County that is not geographically eligible for the Rural Development Loan. The city limits of New Castle and the neighboring boroughs of Oakwood and Oakland are too densely populated to qualify for USDA eligibility, shortly outside of this area the rest of Lawrence County is eligible for the No Down Payment USDA Mortgage Program. If you live outside of the immediate New Castle city limits you are most likely in a USDA eligible area.

Many people people who work in the New Castle area will be able to find a USDA eligible property that is within a short commuting distance outside of the city limits.

The largest towns in Lawrence County that are eligible for a USDA loan include Elwood City, New Wilmington, and New Beaver.

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

USDA Eligible Areas in Lawrence County Pennsylvania


Eligible Towns

  • Bessemer

  • Chewton

  • Edinburg

  • Ellport

  • Ellwood City (partly in Beaver County)

  • Enon Valley

  • Hillsville

  • Frizzleburg

  • New Beaver

  • New Wilmington

  • Pulaski

  • S.N.P.J.

  • South New Castle (parts)

  • Union Valley

  • Volant

  • Wampum

  • West Pittsburg

  • any obvious rural locations

Eligible Townships

  • Hickory Township

  • Little Beaver Township

  • Mahoning Township

  • Neshannock Township

  • North Beaver Township

  • Perry Township

  • Plain Grove Township

  • Pulaski Township

  • Scott Township

  • Shenango Township

  • Slippery Rock Township

  • Taylor Township

  • Union Township

  • Washington Township

  • Wayne Township

  • Wilmington Township


Note: This list is an indicator of USDA Eligible Areas for Lawrence 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.

Lawrence County Pennsylvania 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)