Is this going to be your primary residence? I only ask because you posted your question in the Investment Properties in 18372 section.
If this is going to be an investment property, USDA will not be an option but if it is going to be your primary residence there are a couple of possible options.
It looks like your income is under the maximum limit for the USDA direct loan which may provide the actual construction loan!
Contact the local RD office in Allentown, PA at (484)795-7619.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115