USDA provides very low, low and moderate-income rural residents with better access to an affordable housing finance option with little or no down payment or out of pocket costs*

  • 640 minimum credit score
  • Property must be located in eligible areas
  • No manufactured homes
  • Owner occupied only
  • ​30 year fixed
  • Gifts are acceptable with proper documentation
  • No monthly mortgage insurance
  • Income must be within USDA limits
  • All adult household income counted

*All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.

NMLS# 150934

USDA Loans