USDA Home Loans

USDA is a government agency best known for its work with farming, forestry, and food, it also does work in (rural) housing.

USDA loans don’t require a down payment, so you can borrow as little or as much as you need to buy a home  – as long as that home is in a “rural,” or less densely populated, area.

Rural areas might include the outskirts of town, a place with lots of farmland, or a suburb of a large city — really anywhere that’s not considered “urban.” Check the USDA eligibility map to see if your area qualifies. 

Over 90% of the United States is considered rural, so if you’re thinking about purchasing a home in a less populated area, you may have access to rates lower than the general home buying population with a USDA loan.