USDA loans are government-backed and designed to help eligible buyers purchase homes in rural and suburban areas.
Learn if you’re eligible for a USDA loan — it’s quick.
Who This is For
You may qualify if you:
• Have 580+ credit
• Plan to live in this home as your primary residence
• Meet local income limits
• Are buying in a rural or suburban area
• Want no down payment and an affordable monthly payment
How USDA Loans Work
USDA loans are built to help eligible buyers in rural and suburban areas purchase a home with fewer upfront costs. With no down payment required and accepting credit scores as low as 580, they offer a more accessible path to homeownership — especially for those who may not qualify for traditional loans.
What You Need to Know About USDA Loans
Credit Score
Income Requirements
Home Requirements
Upfront Costs
You’ll typically need a credit score of 580 or higher to qualify.
To qualify, your household income must fall within local limits, which varies by county and household size.
The home must be your primary residence and located in an eligible rural or suburban area.
In many cases, closing costs are negotiated to be covered by the seller, making this a truly affordable option for qualified buyers
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