USDA Rural Development Loans

What is a USDA loan?

USDA Rural Development guaranteed loans help eligible buyers purchase homes in designated rural and some suburban areas. Many programs offer low or zero down payment options for qualified borrowers, subject to USDA and lender guidelines.

Key requirements

• The property must be in a USDA-eligible area
• Household income generally must fall within USDA income limits for the area
• Owner-occupancy is required
• Credit, debt-to-income, and property condition standards apply
• An upfront and annual guarantee fee typically apply

I can help you check a specific address before you write an offer. Related: First-time buyers · FHA · VA

Household Mission Mortgage, LLC is not affiliated with or endorsed by the U.S. Department of Agriculture or any government agency.

Program availability, guidelines, and eligibility are subject to lender guidelines and eligibility, credit approval, income or asset verification, and property eligibility. This is not a commitment to lend and does not guarantee loan approval. See Disclosures.