USDA Rural Home Loans
Zero Down Payment. No PMI. Competitive Rates. Build Your Dream Home in Rural America.
Why Choose USDA Loans?
0% Down Payment
Finance 100% of your home purchase with zero down payment required.
No PMI
Avoid costly private mortgage insurance with USDA guarantee.
Fast Approval
Quick underwriting process with competitive interest rates.
Low Income Limits
Designed for low to moderate income rural homebuyers.
USDA Loan Program Details
Income Eligibility
USDA loans are designed for low to moderate income borrowers. Your household income must not exceed 115% of the Area Median Income (AMI) for your county.
- 1-4 person household: Up to $119,850
- 5-8 person household: Up to $158,250
- Income limits vary by county and family size
Property Requirements
Your property must meet specific USDA eligibility requirements:
- Located in eligible rural area (USDA designated)
- Single-family home or approved property type
- Must be your primary residence
- Property must meet minimum standards
Loan Features
Loan Terms
- • 30-year fixed rate mortgage
- • Competitive interest rates
- • No prepayment penalties
Credit Requirements
- • Minimum FICO score: 580+
- • Debt-to-income ratio: 41% or less
- • Good payment history required
Ready to Own Your Rural Dream Home?
Start your USDA loan journey today. Zero down. No PMI. Real opportunity.