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.

Immediate Williamsport Area is the only area of Lycoming County that is not Eligible


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



USDA Eligible Areas in Lycoming County, Pennsylvania

 

Eligible Towns

  • Antes Fort

  • Balls Mills

  • Barbours

  • Bastress

  • Biggertown

  • Bodines

  • Brady

  • Bryan Mills

  • Calvert

  • Cammal

  • Carsontown

  • Cascade

  • Cedar Run

  • Clarkstown

  • Cogan House

  • Cogan Station

  • Collomsville

  • Crawford

  • Cummings

  • East Muncy

  • English Center

  • Farragut

  • Faxon

  • Gamble

  • Glen Mawr

  • Haleeka

  • Halls

  • Hughesville

  • Huntersville

  • Jersey Mills

  • Jersey Shore

  • Lairdsville

  • Larrys Creek

  • Larryville

  • Leetonia

  • Level Corner

  • Linden

  • Loyalsock

  • Lungerville

  • Marsh Hill

  • Montgomery

  • Montoursville

  • Moreland

  • Muncy

  • Muncy Creek

  • Nisbet

  • Okome

  • Opp

  • Oriole

  • Oval

  • Pennsdale

  • Picture Rocks

  • Pine Creek

  • Pine Village

  • Powys

  • Proctor

  • Quiggleville

  • Ralston

  • Ramsey

  • Richards Grove

  • Ross Siding

  • Salladasburg

  • Seagers

  • Slate Run

  • Sylvan Dell

  • Tivoli

  • Tomb

  • Trout Run

  • Unityville

  • Wallis Run

  • Warrensville

  • Waterville

  • White Pine

  • any obvious rural locations

Eligible Townships

  • Anthony Township

  • Armstrong Township (parts)

  • Bastress Township

  • Brady Township

  • Brown Township

  • Cascade Township

  • Clinton Township

  • Cogan House Township

  • Cummings Township

  • Eldred Township

  • Fairfield Township

  • Franklin Township

  • Gamble Township

  • Hepburn Township

  • Jackson Township

  • Jordan Township

  • Lewis Township

  • Limestone Township

  • Loyalsock Township (parts)

  • Lycoming Township

  • McHenry Township

  • McIntyre Township

  • McNett Township

  • Mifflin Township

  • Mill Creek Township

  • Moreland Township

  • Muncy Township

  • Muncy Creek Township

  • Nippenose Township

  • Old Lycoming Township (parts)

  • Penn Township

  • Piatt Township

  • Pine Township

  • Plunketts Creek Township

  • Porter Township

  • Shrewsbury Township

  • Susquehanna Township

  • Upper Fairfield Township

  • Washington Township

  • Watson Township

  • Wolf Township

  • Woodward 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 

Income table.png

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)