USDA Loans for Rural and Suburban Homebuyers
Discover affordable homeownership with 100% financing through the USDA rural development loan program.
What Is a USDA Home Loan?
The USDA loan program is a government-backed mortgage designed to make homeownership more affordable for low- to moderate-income buyers in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, USDA loans offer 100% financing, reduced mortgage insurance, and below-market interest rates—making it one of the best-kept secrets in affordable housing.
Top 5 Benefits of USDA Mortgage Loans
- 100% financing available — no down payment
- Low monthly mortgage insurance premiums
- Competitive fixed interest rates
- Lenient credit score requirements
- Open to first-time and repeat homebuyers
With USDA home loans, you can buy a safe, decent, and affordable home with zero down—even if you have less-than-perfect credit.
Who Qualifies for USDA Loans?
Eligibility for USDA rural home loans depends on household income, credit score, and the property's location. To qualify, you must:
- Purchase a home in a USDA-eligible rural or suburban area
- Have a household income within USDA's limits
- Use the property as your primary residence
- Maintain a credit score of 620 or higher for streamlined approval
Use the USDA property eligibility map to verify if your desired location qualifies.
How to Apply for a USDA Home Loan
The application process is simple and fast. Here's how it works:
- Check USDA eligibility using the online map and income calculator
- Complete our secure pre-qualification form
- Provide supporting documentation: pay stubs, W-2s, and tax returns
- Get matched with USDA-approved lenders for underwriting
- Close on your USDA mortgage with confidence
Apply online or schedule a free consultation to explore your options for USDA direct loans and guaranteed loans.
Find Out If You Qualify for a USDA Loan
We help families achieve affordable homeownership with expert guidance on USDA loans. Start your journey today with no obligation.
Check My USDA EligibilityFrequently Asked Questions About USDA Loans
What are USDA loans?
USDA loans are mortgages backed by the U.S. Department of Agriculture to promote homeownership in eligible rural and suburban areas with no down payment.
What are the requirements for USDA loans?
Borrowers must meet income limits, purchase a home in a USDA-eligible area, and typically have a 620+ credit score. The home must be a primary residence.
Can I refinance with a USDA loan?
Yes. USDA offers streamline and non-streamline refinancing options for current USDA homeowners looking to lower payments or interest rates.