100% USDA Mortgage in Potter County, Pennsylvania

Mortgage and Lending with Keystone Home Finance - NMLS#834342 - Conventional - FHA - VA -USDA - Jumbo Programs - Direct Phone 412-726-1654 NMLS# 137243

Looking to buy a home in Potter County, Pennsylvania?

You might want to make a quick check to see if you and the property are eligible for a Pennsylvania USDA Mortgage, also known as a Pennsylvania USDA Rural Development Loan.

Here's Why...

USDA home loans offer a few benefits that other mortgage programs cannot match, including no down payment and financed closing cost. If the home appraisal allows, the closing costs can also be wrapped into the mortgage resulting in no money needed at the closing table.

USDA is the only mortgage program that allows for all closing costs to be financed into the loan amount on a home purchase. Interest rates for USDA mortgages are comparable and often lower than the low fixed rates of Conventional, FHA and VA financing.

The USDA Mortgage program does have restrictions when it comes to location and income, so a quick check on this key qualifying criteria should be done first.

USDA Mortgage Potter County Pennsylvania

Potter County Pennsylvania Mortgage










       Benefits of the USDA Mortgage Program

  • True 100% no money down financing.
  • The ability to finance in your closing costs (if the appraised value supports the loan amt)
  • The seller may contribute up to 6% of the purchase price towards your closing costs
  • Low fixed interest rates.
  • More flexible credit qualifying guidelines with minimum 620 credit score
  • Often available for properties in towns and suburbs too


What areas of Potter County are eligible for USDA Financing?

The USDA has zoned ALL of Potter County as eligible for their USDA Rural Development Mortgage Program, including the county seat of Coudersport.


USDA Eligible Areas in Potter County include...


  • Abbott
  • Andrews Settlement
  • AustinCoudersport Pennsyvania Mortgage
  • Ayers Hill
  • Berge Run
  • Bingham Center
  • Borie
  • Brookland
  • Burrows
  • Chrystal
  • Clara
  • Colesburg
  • Coneville
  • Conrad
  • Corbett
  • Costello
  • Coudersport
  • Cross Fork
  • Denton HillAustin Pennsylvania Mortgage
  • Durward
  • East Sharon
  • Eleven Mile
  • Ellisburg
  • Elmer
  • Five Points
  • Fox Hill
  • Frinks
  • Galeton
  • Genesee
  • Germania
  • Gold
  • Gravel Lick
  • Hammersley
  • Harmontown
  • Harrison
  • Harrison ValleyCross Fork Pennsylvania
  • Hebron
  • Hebron Center
  • Hector
  • Hickox
  • Honeoye
  • Ice Mine
  • Inez
  • Jamison
  • Keating Summit
  • Kibbeville
  • Kinney
  • Knowlton
  • Lewis Corner
  • Logue
  • Loucks Mills
  • Lymansville
  • Millport
  • Mills
  • Mina
  • Newfield
  • Newfield JunctionRoulette Pennsylvania Mortgage
  • North Bingham
  • North Fork
  • Odin
  • Oleona
  • Olmsted
  • Oswayo
  • Raymond
  • Reynoldstown
  • Roulette
  • Sharon Center
  • Shaytown
  • Short Run
  • Sunderlinville
  • ShinglehouseCheery Springs State Park
  • Sweden Valley
  • Sunnyside
  • Sweden
  • Telescope
  • Ulysses
  • Walton
  • West Bingham
  • West Pike
  • Wharton
  • Williston






What are the USDA Mortgage Income Limits for Potter County?

Household Size: 1-4 Family Members 5 or more Family Members

Maximum Adjusted Income $74,050 $97,750


If at first glance, it appears your household income exceeds the above limits, it is worth checking the USDA Income Calculator on the USDA website (link below). The USDA allows for several deductions which may allow your Household Income to fit within their Maximum Adjusted Income Guidelines.

USDA Income Eligibility Worksheet



Ok, the Property is in a USDA Eligible Area and your Household Income is within the USDA Income Limits, now what?

Like all mortgages, USDA Mortgages do require an applicant to qualify based on recent credit history. USDA credit requirements are some of the most flexible of any mortgage program available. More detailed information about USDA Mortgage Credit Requirements can be found with the link below...

USDA Credit Requirements


Potter County Pennsylvania Mortgage

For buyers looking to purchase a home in Potter County Pennsylvania, the USDA Rural Development Mortgage is definitely worth a look. Feel free to contact me with any further questions about the program.


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