Warren County USDA Loan

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

The USDA has zoned ALL of Warren County as geographically eligible for their USDA Rural Development Mortgage Program. The largest towns in Warren County, Pennsylvania that are eligible for a USDA loan include North Warren, Youngsville, Russell, Sheffield, and the county seat of Warren. All other areas of Warren County, Pennsylvania are also geographically eligible for the No Down Payment USDA Mortgage Program.

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

USDA Eligible Areas in Warren County, Pennsylvania


Eligible Towns

  • Akeley

  • Backup Corners

  • Bear Lake

  • Clarendon

  • Sugar Grove

  • Tidioute

  • Youngsville

  • Columbus

  • Lander

  • North Warren

  • Russell

  • Sheffield

  • Starbrick

  • Sugar Grove

  • Tidioute

  • Torpedo

  • Warren

  • Youngsville

  • all areas of Warren County

Eligible Townships

  • Brokenstraw Township

  • Cherry Grove Township

  • Columbus Township

  • Conewango Township

  • Deerfield Township

  • Eldred Township

  • Elk Township

  • Farmington Township

  • Freehold Township

  • Glade Township

  • Limestone Township

  • Mead Township

  • Pine Grove Township

  • Pittsfield Township

  • Pleasant Township

  • Sheffield Township

  • Southwest Township

  • Spring Creek Township

  • Sugar Grove Township

  • Triumph Township

  • Watson 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 Warren County, Pennsylvania is located in a USDA Eligible Area.

Warren County USDA Household Income Limits 

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If your Household Income exceeds the figures in this chart, 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)