USDA Loans
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USDA Loans
USDA loans offer eligible borrowers in qualifying rural and suburban areas a path to homeownership backed by the U.S. Department of Agriculture — with competitive terms and no required down payment for those who qualify.
Who May Benefit
- Borrowers purchasing in eligible rural or suburban areas
- Households within applicable income limits
- First-time and repeat homebuyers seeking low-down-payment options
- Borrowers who want competitive rates with reduced upfront costs
- Those purchasing a primary residence, not an investment property
How It Generally Works
USDA loans are made by approved lenders and guaranteed by the USDA Rural Development program. Eligibility depends on both the property's location and the borrower's household income relative to area median income limits.
Not every property outside a major city qualifies — location eligibility is determined by the USDA's official maps, which are updated periodically. Your lender can verify whether a specific address is in an eligible area.
Key Considerations
Property Location
The property must be in a USDA-designated eligible area. Urban and most suburban properties do not qualify. Eligibility is based on the USDA's current maps, not general proximity to rural land.
Income Limits
Household income must fall within USDA limits for the area and household size. All household members' income may be considered, not just the borrowers on the loan.
Primary Residence Only
USDA loans are for owner-occupied primary residences. Vacation homes and investment properties are not eligible.
Closing Costs Still Apply
No down payment does not mean no costs at closing. Closing costs are required and may be financed or covered through seller concessions within program limits.
This website is not affiliated with or endorsed by the USDA. Program eligibility, income limits, and property maps are subject to change. Verify current requirements before proceeding.
Frequently Asked Questions
Is a USDA Loan Right for You?
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