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United States of Department of Agriculture Loans ( USDA )

Mortgages backed the U.S. Department of Agriculture as part of its USDA Rural Development Guaranteed Housing Loan program.  Rural development is the process of improving the quality of life and economic well-being of people living in relatively isolated and sparsely populated areas. 

Rates and more info

  • $0 Cash down

  • NO mortgage insurance

  • 41% Debt to Income Ratio 

  • 50% of the area median income very low, while low sits between 50%-80%

  • Borrowers to have at least a 620 score

  • Guarantee Fee rolled into the loan amount (102 percent financing)

  • Loans up to 33 years for those with incomes that are above 60% of the average median income for the area


To see what area qualifies for this program click on the link below. 

USDA Loans

dreamy living room with wood floors
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