USDA home loans have two gates: the property and your household income. Answer five quick questions to see whether it is worth a closer look.
USDA decides eligibility, not a lender. These official tools give the answer for your address and household.
What we see
Other low down payment options
A quick screen only. It is not an eligibility determination or a loan approval.
USDA backs loans for moderate-income buyers in eligible rural areas. Every loan has to pass both gates.
Only USDA's official map decides, and a lender cannot override it. Check the exact address, since eligibility can change from one parcel to the next.
USDA counts adjusted income, and certain deductions, such as for dependents or child care, may reduce it. A loan officer can run the numbers.
Yes. USDA loans are for primary residences only, not investment properties or second homes.
As a general guide, scores around 640 and up are easiest to approve. Lower scores may need extra review and can limit your options.
Some qualify if they meet USDA's requirements, which often include being new and on a permanent foundation. Confirm with the property details.
You still have options. VA, FHA and low down payment conventional loans work in any location, subject to each program's rules.
Duane Buziak, NMLS #1110647. Licensed in VA, TN and GA. Brokered through Coast2Coast Mortgage, NMLS #376205. This page is general information about USDA eligibility. It is not an eligibility determination, loan offer or commitment. Program rules and income limits change. Equal Housing Opportunity.