USDA Loan Program
Our USDA Loan Program is designed to make homeownership possible for low- to moderate-income buyers in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, this program offers affordable financing with unique benefits for those who qualify.
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USDA – Key Features
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No down payment required-finance 100% of the home’s purchase price
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Competitive interest rates, often lower than conventional loans
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Reduced mortgage insurance costs compared to other loan types
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Closing costs may be rolled into the loan amount for qualified borrowers
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Flexible credit requirements, with most lenders looking for a minimum credit score of 620–640
Eligibility Requirements:
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The property must be located in a USDA-eligible rural or suburban area (check eligibility using the USDA’s online map)
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Household income must not exceed 115% of the area’s median income, with limits varying by location and family size
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The home must be a primary residence (not a second home or investment property)
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Applicants must be U.S. citizens, U.S. non-citizen nationals, or qualified aliens
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Stable and reliable income, typically with at least 24 months of documented employment
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Debt-to-income ratio generally should not exceed 41%, though exceptions may be made for strong applicants
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The property must meet USDA minimum standards for safety, structural integrity, and access to utilities