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.
USDA Eligible Areas in Northumberland County, Pennsylvania
all other areas
East Cameron Township
East Chillisquaque Township
Little Mahanoy Township
Lower Augusta Township
Lower Mahanoy Township
Mount Carmel Township
Upper Augusta Township
Upper Mahanoy Township
West Cameron Township
West Chillisquaque 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
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)