Skip to Content
Mortgage Research Center, LLC: Not affiliated or endorsed by the U.S Department of Agriculture or any govt. agency. NMLS #1907. Not available in NY. Legal

USDA Loan Eligibility Loan Articles

  • Woman holding money in her hand that is a gift fund
    Using Gift Funds for USDA Loans

    Borrowers are able to use USDA loan gift funds for a down payment of closing costs, as long as the funds can be verified and they meet other loan program and lender requirements.

  • Row of houses
    Owning Additional Property with a USDA Loan

    Many people wonder if they can own another property and apply for a USDA loan. There are some cases where you may be able to own additional property and also obtain a USDA loan.

  • Foreclosed home
    USDA Loans after Bankruptcy or Foreclosure

    Blemishes on your credit can happen, and bankruptcy or foreclosure can be a particular concern for those hoping to buy a home with a USDA loan.

  • person calculating their dti
    Explaining the USDA’s DTI Ratio

    Calculating Your Debt-to-Income Ratio for a USDA Loan is one way that lenders determine how much money you can borrow, as it shows what percentage of your paycheck is going to pay your debts every month.

  • person putting money in wallet
    USDA Loan Income and Credit Eligibility

    Lenders look at debts, income and credit history to determine if you can qualify for a USDA mortgage.

  • counting earned income
    Updated USDA Loan Income Limit Eligibility

    On May 12, 2021 the Income Limits for the Single-Family Housing Guaranteed Loan Program were increased for all U.S. counties. Find out how these changes will affect you.

  • family moving into their home
    An In-Depth Look at USDA Loan Occupancy Guidelines

    USDA loans come with an occupancy requirement. This rule stipulates who can live in a USDA-funded property.

  • couple looking at their credit score for a USDA loan
    How to Get a USDA Loan with Bad Credit

    Bad credit doesn’t automatically preclude you from buying a home. You still have options with a USDA loan.