Most of the U.S. outside major metros is eligible. Check the USDA eligibility map or ask us to check your address.

What's the income limit?

Limits are county-specific and household-based, and USDA republishes them. Look up the current figure for your county rather than working from a national number.

Are there property requirements?

Property must be modest, owner-occupied, and in good condition. No income-producing farms or commercial uses.

How does it compare to FHA?

USDA usually wins on cost (0% down, lower MI) when eligible. FHA wins on flexibility - works anywhere, looser credit guidelines.

Loan option

USDA Loan

USDA loans offer 100% financing for low-to-moderate income buyers in eligible rural and suburban areas, and the eligible map covers far more ground than the word rural suggests.

Get a quote Pre-qualify

What USDA Loan actually is.

USDA loans are one of the best-kept secrets in mortgage finance. Created to support rural development, the program now covers most suburbs and small cities outside major metros.

Eligible buyers get 100% financing and the lowest mortgage insurance costs of any government-backed loan. The constraints are real: a household income cap that varies by county, and a property that has to sit inside an eligible area.

We check the address against the current USDA eligibility map and the household against the current county income limit, then price USDA, FHA and conventional side by side so the comparison is a number rather than an opinion.

Illustrative sample figures for a template demonstration. Not a rate quote, not an offer to lend, and not live market data.

Who this fits

Buyers in USDA-eligible areas (most of the country outside major cities)
Households with low-to-moderate income
First-time and repeat buyers alike
Borrowers with credit scores 640+

Check whether you qualify

What this program buys you.

0% Down: No down payment required - like a VA loan but available to civilians.
Low Mortgage Insurance: USDA "guarantee fee" is significantly cheaper than FHA MIP.
Competitive Rates: USDA rates rival the lowest conventional rates available.
Closing Costs Can Roll In: When the appraisal supports it, closing costs can be financed.

The process

Four moves from first call to keys.

Each step has one job and one owner. You always know which of the four the file is sitting in.

01Check Property EligibilityWe confirm the address falls inside a USDA-eligible zone.
02Confirm Income EligibilityIncome limits vary by county; we verify against current USDA tables.
03Apply & UnderwriteSubmit a full application; USDA loans pass through a second review at USDA.
04CloseUSDA reviews the file again after the lender approves it, so allow more calendar than a conventional loan.

Questions this program raises.

If yours is not here, ask it. You will get an answer in writing from the officer who would work the file.

Other programs

Get this priced against your own file.

Tell us the scenario and we will come back with real figures for USDA Loan, and for the programs you did not ask about, so you can see all of them at once.