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
  •  Click here to see if your property is USDA eligible.


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.

Questions? Get started now, and a licensed Loan Officer will reach out to you shortly.