What is a USDA loan?
A USDA home loan is backed by the U.S. Department of Agriculture as part of the USDA Rural Development program. It helps eligible moderate-income buyers purchase homes in eligible rural and suburban areas—often with no down payment* when you qualify.
Why buyers like USDA
- $0 down* for some eligible borrowers.
- Competitive rates and potentially more affordable monthly payments for some households.
- May be available for purchase (and sometimes refinance—rules apply).
*100% LTV of the appraised value plus the guaranteed fee.
Typical eligibility themes
- Income limits based on your household and the area median income.
- The home must be in an eligible location (we can check the address).
- Primary residence requirement.
- Credit and debt-to-income requirements apply (often starting around 620 for many lenders—confirm with us).
Next step
Send the city or property address you are considering. We will confirm USDA eligibility quickly and compare USDA with FHA and conventional paths.
Contact us to see what you qualify for
All loans are subject to credit and underwriting approval. Program guidelines, rates, and limits change. This page is for general education and is not a commitment to lend. Ask a licensed loan officer for details that apply to you.