What is USDA Loans?

• A mortgage loan offered by the United States Department of Agriculture (USDA) to help low-to-moderate income families buy homes in rural areas.
• Officially known as the USDA Rural Development Guaranteed Housing Loan Program.

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Zero Down Payment

No down payment required, making it easier for families to purchase homes.

Low Interest Rates

Competitive interest rates compared to conventional loans.

Flexible Credit Requirements

More lenient credit score requirements, making it accessible to more people.

Guaranteed by the USDA

Reduces risk for lenders, which can translate into better loan terms for borrowers.

Location

Property must be in a designated rural area (as defined by the USDA).

Income Limits

Household income must not exceed the USDA’s established limits for the area

Residency

Must be a U.S. citizen, U.S. non-citizen national, or qualified alien.

Occupancy

Property must be the borrower’s primary residence.

CONCLUSION

By providing affordable and accessible financing options, USDA loans aim to promote homeownership in rural communities and support economic development in these areas. The appraisals are stricter than conventional loans. The USDA minimum property requirements ensure the home is structurally safe, in good repair, and functionally sound. This protect the buyer, as well as ensure the USDA is not guaranteeing a loan that is too big of a risk.