USDA Home Loan


What is a USDA Mortgage Loan?

A USDA home loan is for homebuyers in rural, less densely populated areas that meet eligibility based on home location, household income, and among other requirements. The USDA loan program offered by the U.S. Department of Agriculture (USDA) and the department guarantees a mortgage like an FHA and the VA backed loans. With a USDA home loan, you could qualify for a 0% down payment and low-interest rates.


USDA Mortgage Advantages Include

  • Zero or Lower down payment than other mortgage products for rural areas.
  • Lower private mortgage insurance (PMI)
  • More relaxed qualifying requirements for borrowers with lower credit scores.


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USDA Income and Property Eligibility

To be eligible for many USDA loans: household income must meet specific guidelines. The home to be purchased must be in an eligible rural area as defined by USDA.


Visit USDA website


The U.S. Department of Agriculture lists several resources that can help you determine eligibility on the USDA website.