Wayne County Pennsylvania USDA Loan


What areas of Wayne 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 Hawley, Waymart, Lake Ariel, The Hideout, Hamlin, and the county seat of Honesdale. All other areas of Wayne County, Pennsylvania are also geographically eligible for the No Down Payment USDA Mortgage Program.


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



USDA Eligible Areas in Wayne County, Pennsylvania

 

Eligible Towns

  • Abrahamsville

  • Aldenville

  • Angels

  • Arlington

  • Atco

  • Autumn Leaves

  • Avoy

  • Beach Lake

  • Beech Grove

  • Belmont Corner

  • Bethany

  • Bethel

  • Bidwell Hill

  • Boyds Mills

  • Branningville

  • Calkins

  • Callapoose

  • Carley Brook

  • Cascade

  • Cherry Ridge

  • Clemo

  • Coggins Corner

  • Cold Spring

  • Conklin Hill

  • Creamton

  • Damascus

  • Darbytown

  • Dillontown

  • Dyberry

  • East Berlin

  • East Honesdale

  • East Spruce

  • East Sterling

  • Equinunk

  • Fairmount

  • Fallsdale

  • Fermoy

  • Forest City Station

  • Fortenia

  • Galilee

  • Girdland

  • Gouldsboro

  • Gravity

  • Haags Mill

  • Hamlin

  • Hawley

  • High Lake

  • Hilltown

  • Hoadleys

  • Hollisterville

  • Honesdale

  • Indian Orchard

  • Jericho

  • Keen

  • Lake Ariel

  • Lake Como

  • Lakeville

  • Lakewood

  • Laurella

  • Little Chapel

  • Maple Grove

  • Maplewood

  • Milanville

  • Newfoundland

  • Niagara

  • Orson

  • Pine Mill

  • Pink

  • Pleasant Mount

  • Pocono Springs

  • Poyntelle

  • Preston Corner

  • Preston Park

  • Priceville

  • Prompton

  • Rileyville

  • Rudes Corner

  • Rutledgedale

  • Scott Center

  • Seelyville

  • Shehawken

  • Sherman

  • Siko

  • South Canaan

  • Stalker

  • Stanton Corner

  • Starlight

  • Starrucca

  • Steene

  • Sterling

  • Stockport

  • Tallmanville

  • Tanners Falls

  • The Hideout

  • Torrey

  • Tresslarville

  • Tyler Hill

  • Uswick

  • Varden

  • Wallenpaupack Lake Estates

  • Wallenpaupack Mills

  • Wangaum

  • Waymart

  • West Damascus

  • West Hawley

  • White Mills

  • Whites Valley

  • Winterdale

  • Wrighter Corner

  • all areas of Wayne County

Eligible Townships

  • Berlin Township

  • Buckingham Township

  • Canaan Township

  • Cherry Ridge Township

  • Clinton Township

  • Damascus Township

  • Dreher Township

  • Dyberry Township

  • Lake Township

  • Lebanon Township

  • Lehigh Township

  • Manchester Township

  • Mount Pleasant Township

  • Oregon Township

  • Palmyra Township

  • Paupack Township

  • Preston Township

  • Salem Township

  • Scott Township

  • South Canaan

  • Sterling Township

  • Texas 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 Wayne County, Pennsylvania is located in a USDA eligible area.


Wayne County USDA Household Income Limits 

Income table.png

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)