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To get started with your USDA Home Loan, call (877)701-8732 or Get Started Here

What is a USDA Home Loan?

USDA Home Loans are one of the last $0 money down options available to homebuyers. Through the USDA Loan homebuyers have access to low rates, leniently eligibility requirements and 100% financing - due to the loan being guaranteed by the United States Department of Agriculture.

The USDA Loan is also known as the USDA Rural Development Guaranteed Housing Loan, or Section 502 Loan, due to the focus on rural homebuyers and many suburban homebuyers. Although the program is guaranteed by the USDA, the guaranteed loan is not funded by the USDA. Private USDA approved lenders, like the specialists at, fund these home loans.

USDA mortgages stand alone as the only zero money down program available to borrowers that have not served in the military. Eligible borrowers will be hard pressed to find a home loan program that offers more favorable terms.

Learn More about USDA Loans here

$0 Down, 100% Financing

USDA Loans are one of the last $0 down mortgages with 100 percent financing, resulting in low out-of-pocket costs and one of the most desirable loan programs.

›› See USDA Loan Benefits

More Homes Now Qualify

The USDA's definition of "rural" is largely liberal - meaning many in small towns, suburbs and exurbs of major U.S. cities meet the "rural" requirement.

›› Property Eligibility Map

Lenient Requirements

The USDA has desinged the USDA Loan to provide homebuyers with lenient eligibility requirements that help low to moderate income families purchase a home.

›› Credit and Income Eligibility

Competitive Rates

USDA mortgage rates are often lower than comparable conventional 30-year fixed mortgage rates resulting in a better deal as compared to FHA or conventional loans.

›› USDA Mortgage Rates is featured in

Basic Eligibility Requirements

  • Homebuyers should show intent to repay the loan
  • Homes purchased with a USDA Loan must be used as the primary residence
  • Credit history should be in good standing
  • Homebuyers should show a history of receiving stable income

USDA Loan Eligibility

USDA Loans used to be considered "farmers loans" but that is simply not the case anymore. Just about anyone looking to purchase a home outside a major metropolitan area can qualify for a USDA Loan.

Some of the eligibility standards that determine if you qualify for a USDA loan for your home include what county and zip code the home resides in, your current income and credit history, as well as the number of dependents you can claim. Because these guidelines are very specific, it is important to work with a company that has experience dealing with USDA government financing to help determine your eligibility.

Learn More about USDA Loan Eligibility here

Frequently Asked USDA Loan Questions

We’ve helped thousands of families learn about the USDA Home Loan process and have seen our fair share of questions along the way. We have listed a few of the most common below; however, if your question isn't answered, please contact us at 877-701-8732.

For a complete list of USDA Loan questions and answers see here.

How do I qualify for a USDA loan?

Every homebuyer interested in a USDA Loan should speak with an approved USDA Home Loan lender to determine if they qualify. To do this, fill out the form above or call 877-701-8732 and speak with a USDA Loan specialist.

What types of properties are eligible?

The USDA started this program to help those in rural areas achieve affordable home financing. With this being the case, the USDA wants to ensure those with the greatest need are served by limiting eligible properties to those that are located in rural, or suburban, communities. Additionally, the USDA Home Loan is only for primary residences – meaning rental properties and vacation homes are not eligible.

What kind of savings do USDA Loans offer?

USDA Loans feature no down payment and lower mortgage insurance costs than both FHA and conventional options - saving homebuyers monthly, as well as out-of-pocket costs.

Using a USDA Loan?

Call (877) 701-8732 or Get Started