What is a USDA Home Loan

USDA home loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

A USDA home loan allows for the following:

  • USDA loans require no down payment, you may finance up to 100% of the property value.
  • You must meet the income restrictions for the County you are interested in.
  • Each county has a maximum Income Requirement.
  • The USDA Home Loan Program does allow for considerations for expenses like Child Care.
  • To be eligible, you must be purchasing a property in a rural area as defined by the USDA. Check Eligibility
  • The home or property that you are looking to purchase must be owner-occupied, investment properties are not eligible for USDA loans. Check Eligibility 

With a USDA loan, you don’t have to make a down payment; and you’re required to take a fixed rate loan. ARMs aren’t available via the USDA rural loan program.  Rural loans can be used by first-time buyers and repeat home buyers alike. Homeowner counseling is not required to use the USDA program.  For USDA you must qualify for the program and your home must be qualified, too. Check below if you may be eligible for USDA Products.


The USDA Rural Development Single Family Housing Guaranteed Loan Program – or USDA Home Loan – is one of the most powerful mortgage options available for rural and suburban homebuyers. USDA Loans come with significant benefits that provide homebuyers the opportunity to achieve loan terms that no other program can offer.

  • No Down Payment Required
  • Competitive 30-year and 15-year fixed interest rates
  • Flexible Credit Guidelines
  • Purchase Price – USDA has no maximum purchase price limit. (Lenders may vary on maximum loan amount)

Any individual or family who plans to occupy a home located in an eligible rural area as their primary residence may qualify for a USDA Rural Development home loan.

Do You Qualify for USDA Products

Are you eligible for USDA products – USDA Rural Development offers a variety of services to help individuals, communities, businesses and borrowers with their rural applications for funding or their existing loans and/or grants.

Cick Here to Check Eligibility

in USDA Home Loans

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