Lehigh County USDA Loan


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

A big chunk of the eastern portion of Lehigh County is dominated by the Allentown and Bethlehem metropolitan area and is way too densely populated to qualify for the USDA Mortgage Program. Once we move to the outskirts of this third largest metro area in the state, the county starts to become USDA Eligible again. Shortly outside of the Lehigh Valley metro area, the majority of Lehigh County is USDA Eligible.

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

This is the Ineligible area of Lehigh County. Outside of this Allentown metro area, the rest of Lehigh County is USDA Eligible.



USDA Eligible Areas in Lehigh County, Pennsylvania

 
  • Alburtis

  • Claussville

  • Coopersburg

  • Fogelsville

  • Germansville

  • Jacksonville

  • Lanark

  • Lynnport

  • Meyersville

  • New Smithville

  • Newside

  • New Tripoli

  • Orefield

  • Schnecksville

  • Slateville

  • Slatington

  • Steinsville

  • Switzer

  • Wanamakers

  • any obvious rural locations

 

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.


Lehigh County USDA Household Income Limits 

Income table.png

If your Income exceeds the figures listed, 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)