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USDA Loans

Affordable Financing for Eligible Rural and Suburban Homes

USDA home loans can provide qualified borrowers with an affordable path to homeownership in eligible areas. The program is designed for eligible primary residences and includes income, property-location, and other program requirements.

No Down Payment May Be Required
Eligible borrowers may be able to finance up to 100% of the home's eligible purchase price.

Eligible Property Areas
USDA financing is available for homes located in qualifying areas, which can include communities that may not seem traditionally rural.

Income & Eligibility Requirements
USDA loans have household income limits and other eligibility requirements based on the property location and household circumstances.

Is the Property USDA Eligible?

USDA financing is based in part on the location of the property. Many eligible areas are outside major urban centers and may include communities that you might not normally consider “rural.”

Not sure if a home qualifies? I can help you check the property location and review the basic USDA eligibility requirements.

USDA Loans Are for Primary Residences

USDA home loans are generally intended for eligible borrowers purchasing a home they will occupy as their primary residence. They are not designed for second homes or investment properties.

USDA vs. FHA or Conventional

A USDA loan may offer an attractive option when the borrower and property qualify, particularly because eligible borrowers may be able to purchase with no down payment. FHA and Conventional financing may provide more flexibility when a property isn't USDA eligible or household income exceeds USDA program limits.

Ready to See if You Qualify?

Let's review your income, household size, property location and home-buying goals to see whether USDA financing may be an option.

GET PREQUALIFIED | CONTACT GIDGET

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