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USDA Loans


In 1991, the United States Department of Agriculture (USDA), established the USDA Home Loan Program to provide affordable housing opportunities, promote prosperity, and improve the quality of life in rural America. Fortunately for homebuyers, “rural America,” for purposes of the USDA Home Loan Program, is 97% of the geographic landmass of the United States.

About USDA Home Loans

The USDA Home Loan Program, also referred to as the USDA 502 Guaranteed Rural Housing Loan Program, is designed for individuals and families with moderate or low incomes. “Moderate or low” are broad terms and people are often surprised how high the “moderate” income range extends. By offering a zero down payment home loan program with great terms to these individuals and families, the USDA makes the dream of homeownership accessible and affordable for tens of thousands of Americans annually. The USDA Home Loan Program is also designed to benefit rural America and is only available for homes purchased in designated areas of the country. Fortunately for the masses, 97% of the geographic United States of America is designated as “rural” for purposes of the USDA 502 Guaranteed Rural Housing Loan.

Benefits of USDA Home Loans

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USDA Eligibility

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