USDA Loans
Government-backed financing for eligible homes in qualifying rural and suburban areas.
A USDA loan is backed by the U.S. Department of Agriculture and is designed to support homeownership in eligible rural and some suburban areas.
Potential benefits
- Eligible borrowers may be able to purchase with no down payment.
- Guarantee fees are often lower than some other mortgage insurance options.
- Supports homeownership outside major metropolitan areas.
General eligibility considerations
- The property must be located in a USDA-eligible area.
- Household income must fall within limits for the area.
- The home is generally intended to be your primary residence.
Important limitations
- Upfront and annual guarantee fees apply.
- Not available for properties outside eligible areas.
- Investment properties and second homes are not eligible.
Common questions
How do I know if a property is eligible?
USDA publishes eligibility maps, and your loan expert can help confirm both property and income eligibility.
Is USDA only for farms?
No. USDA loans are used for primary residences in eligible areas; they are not farm loans.
Is USDA Loan right for you?
Every situation is different. Book a no-pressure consultation and a licensed loan expert will review your goals and walk through the options that may fit.
Program descriptions are general information, not a loan offer or commitment to lend. Eligibility, rates, fees, and terms depend on your circumstances and lender requirements and are subject to change. Not all applicants will qualify.
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Other programs to compare
Conventional Loans
Flexible financing options for purchasing or refinancing your home.
FHA Loans
Government-insured financing with flexible down payment and credit requirements.
VA Loans
Home financing benefits for eligible military members, veterans, and qualifying spouses.
Jumbo Loans
Financing for homes that call for a loan above the standard conforming loan limits.
First-Time Buyers
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Rehab & Renovation
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Let’s Build What’s Next
Whether you’re buying your first home, making your next move, or refinancing, we’re here to help you move forward with clarity and confidence.