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USDA Rural Development Home Loans

Guaranteed by the United States Department of Agriculture (USDA), these loans offer an affordable way to purchase property in rural neighborhoods. These are non-urban areas, but often include villages or small towns near bigger cities. The loan term is a 30-year fixed-rate mortgage.

The USDA loan’s purpose is to provide low to moderate income households the opportunity to achieve the dream of homeownership in eligible rural areas. They help to do so by guaranteeing each USDA loan against default. This guarantee allows for some great benefits such as zero down payment, low rates and lenient credit requirements.

USDA Rural Development Home Loan Advantages

  • No down payment.
  • Allows for non-traditional credit.
  • Lower closing costs, with no limit on contributions from seller or gift money.

USDA Rural Development Home Loan Disadvantages

  • Must meet USDA location standards.
  • USDA Guarantee Fee is required.
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