USDA Home Loan Guarantee

USDA Rural Development Home Loans

USDA Rural Development Home Loans

Guaranteed by the United States Department of Agriculture (USDA), these 30-year, fixed-rate loans offer an affordable way to purchase property in rural neighborhoods. These non-urban areas can include villages or small towns near bigger cities.

By guaranteeing each loan against default and offering zero-down-payment, low interest-rates, and lenient credit-requirements, the USDA provides low- and moderate-income households the opportunity to achieve the dream of homeownership in eligible rural areas.

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USDA Rural Development Home Loan Advantages

  • No down payment.
  • Allows for non-traditional credit.
  • Lower closing costs, with no limit on contributions from seller or gift money.

USDA Rural Development Home Loan Disadvantages

  • Must meet USDA location standards.
  • USDA Guarantee Fee is required.

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