USDA Rural Housing Loans

The United States Department of Agriculture (USDA) subsidizes qualified borrowers through the Rural Housing Loan.

The USDA determines what “rural” means, and that varies widely by state. But if you’re eligible, you can qualify for lower monthly payments and you don’t need money for a down payment. You’ll also spend less time in traffic driving to the closing.

Key Features of Rural Housing (USDA) Loans

  • Available as a 30-year option with a fixed rate
  • Finance 100% of your home with no down payment requirement
  • No mortgage insurance means you have lower monthly payments
  • The loan’s income eligibility cap varies by community


Down PaymentNone
Terms30 years, fixed rate
Credit Score640 minimum
Mortgage InsuranceNo*
Maximum Loan LimitYes, varies by county
*Up-Front Guarantee Fee financed into the loan.






Contact Tom today to learn more about these affordable options and to get started.