Northumberland County USDA Loan


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

The USDA has zoned ALL of Northumberland County as geographically eligible for their USDA Rural Development Mortgage Program, including the largest town and county seat of Sunbury. This is a change from previous USDA Eligibility Maps. Previously, the USDA had excluded the populated area that included Sunbury and Northumberland. The most recent USDA Eligibility Map now includes ALL of Northumberland County as geographically eligible for the No Down Payment USDA Mortgage Program.

The largest towns in Northumberland County that are eligible for a USDA loan include Sunbury, Milton, Coal Township, Shamokin, Mount Carmel, Northumberland, Watsontown, Elysburg, Kulpmont, and Turbotville.


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



USDA Eligible Areas in Northumberland County, Pennsylvania

 

Eligible Towns

  • Anthony

  • Atlas

  • Augustaville

  • Bear Gap

  • Bear Valley

  • Boydtown

  • Camp Grove

  • Chillisquaque

  • Coal

  • Coal Run

  • Coal Township

  • Comly

  • Connersville

  • Dalmatia

  • Delaware Run

  • Dewart

  • Diamondtown

  • Dooleyville

  • Dornsife

  • Doutyville

  • Dunkelbergers

  • East Chillisquaque

  • East Lewisburg

  • Elysburg

  • Excelsior

  • Fisherdale

  • Fishers Ferry

  • Goosetown

  • Gowen City

  • Greenbrier

  • Happy Valley

  • Hebe

  • Herndon

  • Hunter

  • Island Park

  • Klines Grove

  • Knoebels Grove

  • Kulpmont

  • Leck Kill

  • Limestoneville

  • Lithia Springs

  • Little Mahany

  • Locust Gap

  • Lower Augusta

  • Luke Fidler

  • Mandata

  • Marion Heights

  • Marshallton

  • Maysville

  • McEwensville

  • Meadowview

  • Merrian

  • Mile Hill

  • Mile Run

  • Milton

  • Montandon

  • Mount Carmel

  • Mt Carmel

  • Natalie

  • Northumberland

  • Oaklyn

  • Oak Park

  • Paxinos

  • Potts Grove

  • Ralpho

  • Ranshaw

  • Rebuck

  • Red Cross

  • Reeders Grove

  • Reed Station

  • Riverside

  • Rockefeller

  • Sagon

  • Schuyler

  • Sevenpoints

  • Shamokin

  • Snydertown

  • Stonington

  • Strong

  • Sunbury

  • Sunnyside

  • Tharptown

  • Trevorton

  • Turbotville

  • Upper Augusta

  • Upper Mahanoy

  • Urban

  • Watsontown

  • Watsonville

  • West Cameron

  • West Chillisquaque

  • Wolverton

  • Yordy

  • all other areas

Eligible Townships

  • Coal Township

  • Delaware Township

  • East Cameron Township

  • East Chillisquaque Township

  • Jackson Township

  • Jordan Township

  • Lewis Township

  • Little Mahanoy Township

  • Lower Augusta Township

  • Lower Mahanoy Township

  • Mount Carmel Township

  • Point Township

  • Ralpho Township

  • Rockefeller Township

  • Rush Township

  • Shamokin Township

  • Turbot Township

  • Upper Augusta Township

  • Upper Mahanoy Township

  • Washington Township

  • West Cameron Township

  • West Chillisquaque Township

  • Zerbe 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 Northumberland County, Pennsylvania is located in a USDA Eligible Area.


Northumberland 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)