Who it fits
Moderate-income buyers purchasing a primary residence in a USDA-eligible area. Many towns outside major metros qualify, including areas you might not think of as rural.
Requirements
- The property must be in an eligible area (USDA publishes an eligibility map)
- Household income must be within the limit for the county
- The home must be your primary residence
Costs
USDA guaranteed loans have an upfront guarantee fee and a small annual fee. There's no down payment requirement for eligible borrowers.
Questions
How do I know if a home is eligible?
Send us the address. We'll check it against USDA's eligibility map and your household income against the county limit.