Eligible rural communities

USDA Loans

USDA loans are not just for farms—many qualifying communities outside major urban centers may be eligible.

USDA loan fundamentals

No down payment may be available when borrower and property requirements are met.
The property address must be in a currently eligible USDA area.
Household income must fit the current limit for the area and household size.
The home must be a primary residence, and upfront and annual program fees apply.

We’ll help you understand the possibilities, tradeoffs, and next step.