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