Lycoming County USDA Loan
What areas of Lycoming County are eligible for the USDA Mortgage Program?
Most of Lycoming County is eligible for the USDA Rural Development Loan program. The only area zoned as ineligible is in the immediate Williamsport area including South Williamsport, Duboistown, Garden View, and Grimesville. Outside of this area, Lycoming County is USDA eligible. If you live outside of the immediate Williamsport area then you are most likely in a USDA eligible area.
The largest towns in Lycoming County that are eligible for a USDA loan include Montoursville, Jersey Shore, Muncy, Hughesville, and Montgomery.
USDA Eligible Areas in Lycoming County, Pennsylvania
any obvious rural locations
Armstrong Township (parts)
Cogan House Township
Loyalsock Township (parts)
Mill Creek Township
Muncy Creek Township
Old Lycoming Township (parts)
Plunketts Creek Township
Upper Fairfield 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.
Lycoming County USDA Household Income Limits
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)