USDA Loans
USDA loans are designed to help low-to-moderate-income individuals and families purchase a home in eligible rural areas.
USDA loans are backed by the U.S. Department of Agriculture, which allows borrowers to unlock more flexible options such as zero down payment and lower interest rates.
How to get a USDA loan
To get a USDA loan, borrowers must work with a USDA-approved lender to confirm eligibility.
USDA eligibility requirements
USDA loans are designed to help lower-income households.
Eligibility is determined based on the following:
- Income limits for borrower’s specific location and family size
- Properties located in eligible rural areas
- Property is the borrower’s primary residence
- Credit history and credit score
- Debt-to-income (DTI) ratio
- Stable employment and income
To get started with your USDA loan, you will provide basic information about your future property and your finances.
USDA Loan FAQs
A USDA home loan is a mortgage program supported by the U.S. Department of Agriculture. It is designed to help eligible borrowers purchase homes in qualifying rural and certain suburban areas.
Eligible borrowers may qualify for USDA financing without a down payment. However, income limits, property eligibility, creditworthiness, and other program requirements apply.
USDA loans are available only for properties located in eligible geographic areas. Some qualifying locations may be suburban rather than traditionally rural. Property eligibility can be checked using USDA resources.