Rural roots. Modern Opportunities.
We're here to help!
USDA loans make it possible to purchase a home in eligible rural and suburban areas with zero down payment. Backed by the U.S. Department of Agriculture, this program supports homeownership for qualified buyers with moderate incomes. We’re here to help you explore whether a USDA loan is the right fit—and guide you from start to keys in hand.
What is a USDA Loan?
A USDA loan is a government-backed mortgage program offered by the U.S. Department of Agriculture to encourage homeownership in eligible rural and suburban areas. Designed for borrowers with low to moderate incomes, USDA loans provide affordable financing options—including 100% financing, meaning no down payment is required.
To qualify, the home must be located in an eligible area, and the borrower must meet income and credit requirements. With competitive interest rates, reduced mortgage insurance costs, and flexible credit guidelines, USDA loans can be a great choice for those looking to buy outside major metropolitan areas.
USDA Loan FAQs
1
Do I have to buy a farm to use a USDA loan?
Not at all! USDA loans are for residential properties—not farms. In fact, many suburban and small-town homes qualify.
2
Can I use a USDA loan to build a new home?
Yes, USDA construction-to-permanent loans are available, though they may require working with specific lenders and approved builders.
3
What is the income limit for USDA loan eligibility?
Income limits vary by location and household size. In general, USDA loans are available to moderate-income buyers—usually up to 115% of the area’s median income.
